Payment is due within 7 days of sale, unless prior arrangements were made. Shipping insurance is optional and extra to the buyer. If you're not satisfied with item - upon arrival email me about the problem. If agreement is met, I'll issue a refund of purchase price to buyer, once item is returned to me in same condition it was sent. Buyer is responsible for return shipping fees. I leave Feedback after mine is received. Any ?'s please ask. Thanks :o)