Payment: I accept credit cards through PAYPAL payments, which you can use whether or not you have a PAYPAL account. If you have any questions, please contact me, and I will respond quickly. I would like to receive payment at the time you commit to buy, or at latest within 24 hours -- so I can get your purchase to you as soon as possible. If I do not receive your Paypal payment or do not hear from you by email within 2 days of order placed I will assume you no longer want to purchase the item and will re-list the item. Shipping: I ship orders within 1 day of receipt Monday thru Saturday USPS First Class which takes about 4 to 7 business days to get to you & saves you money. If you would like your order quicker please upgrade by adding to your order Priority Mail listing which is found under shipping upgrade category. International orders are also shipped USPS First Class but delivery time is variable, depending on your country. Countries like UK & Canada take 8-12 business days while others can take 15-24 business days. **International Orders - customs/duty/VAT fees are the responsibility of buyer*** Refunds and Exchanges: - I accept returns on necklaces and bracelets, but for sanitary/health reasons I Do Not Refund or exchange Earrings. - I will accept Returns within 7 Days of receipt - with original sales slip enclosed in your order. (Please email me first if you are returning an item) so that I may assist you with your return. - Refunds minus shipping charges will be issued after I receive the returned item in re-saleable original condtion. - Shipping charges to return the item to me are the customers responsibility. Note About Jewelry - All my jewelry is made for adults or anyone 15 years or older. It is not intended for young girls under the age of 15. Thanks!