PAYMENTS: Only Paypal payments are accepted and items will not be sent electronically until your payment has been received and/or cleared. Please Note: You don't have to have an account to purchase items using your credit card. OTHER FORMS OF PAYMENT: Prior arrangements must be made with me in order for me to accept checks and/or money orders. SHIPPING: Delivery of all pattern purchases will be sent electronically in PDF format via e-mail and will be done within 24 hours of payment receipt (usually sooner). REFUNDS OR EXCHANGES: Sorry... due to the nature of the items sold, everything that is sent via PDF format and once it is sent it is nonrefundable. However; if you have any problems with the item(s) purchased, just let me know and I will assist you to the best of my ability. FAQ ANSWERS: All PDF FORMAT patterns, instructions and images are copyright protected by my original store "ALL STITCHES". The PDF FORMAT patterns and no part of them may be reproduced in any way, shape or form to be sold as your own. I give everyone permission to make and sell the completely finished patterns at local craft fairs and/or in your store as long as you include an acknowledgement that you used a pattern created by ALL STITCHES (www.AllStitches.artfire.com). HAPPY STITCHING FROM ALL STITCHES!