Payment is expected within 4 hours of purchase, or item will be relisted. I ship via first class mail with delivery confirmation, insurance is not included, if you would like insurance let me know! I am not responsible for lost/stolen/damaged packages where insurance was not purchased. If you are unhappy with your purchase, I will refund the purchase price (minus shipping) upon return of the item. You have 10 days from receiving your item to return it.