Dear Customer, I want you to be completely satisfied, comfortable and secure in making purchases from me, so I have gone into detail with my policies. If something is not clear I do hope you will give me the opportunity to make it so. Thank you, Pat Payment: o All major credit cards accepted via the in-line ArtFire shopping cart in PearsonsStudiOCD. None of your sensitive financial information will be stored or be made available to me or ArtFire. Alternative Forms of Payment: o PayPal: I accept payment from PayPal. It is safe and fast and allows you to choose your payment method. You do not have to have a PayPal account to make your purchase. Yes, you may use your credit card through PayPal. Shipping: o First Class Mail with tracking and or delivery confirmation and insured. (Insurance my cost not yours) Shipped to address placed on the order. o Purchase orders received by 12:00pm CST Monday -Saturday (excluding U.S. holidays) will be shipped the same day. Purchase orders received after 12:00pm. CST Monday - Saturday (excluding U.S. holidays) will be shipped the next business day. Deadline for Christmas shipping in the U.S. is 12:00pm CST, 15 Dec. of any year. Note: I insure all purchases within the U.S. against loss or damage, at no charge to you. International Shipping: o International shipping (other than Canada) please contact me and I will research the shipping cost and delivery estimates for your country and email the information to you within 24 hrs. o I suggest ordering extra early for holidays or special occasions. o Orders outside of the U.S. may be subject to import taxes, customs duties and fees levied by the destination country ("Import Fees"). I have no control over these charges and cannot predict what they may be. Customs policies vary widely from country to country. When customs clearance procedures are required, it can cause delays beyond my original delivery estimates. Sales Tax: Oklahoma residents are required to pay sales tax based on the delivery address. Returns and Refunds: Satisfaction guaranteed. Full refund terms below. o When the item or items you purchased have been returned and received within thirty (30) days, with the exception of personalized items. o I cannot refund any personalized products that include initials, names, and references to particular politics, religion, employment, or personal pictures. Color preferences, geometric shapes, and/or textures will not be considered personalization. Regarding custom orders and lay-a-ways: Please contact me for detailed information. I will email it to you, so you may save it to your computer or print them out. o Worth repeating; I cannot refund any personalized products that include initials, names, and references to particular political affiliations, religion, employment, or personal pictures. [Color preferences, geometric shapes, and/or textures are not considered personalization.] I hope you enjoyed your visit to Pearson StudiOCD. Please feel free to contact me anytime about anything. Pat