Buyers with 0 feedbacks need to contact seller before bidding.  If you have less than 5 feedbacks you need to contact seller before using  Paypal.  Persons with 10 feedbacks or less and item is over $50.00 contact seller before payment is made.   If item is found to be defective it is sellers descretion to decide whether a refund is to be made.  If item is broke or lost, and buyer did not purchase insurance all loss is buyers responsibility no refund will be made.