Seller will pay for insurance. Seller will pay cost for shipping worldwide for Priority Mail. If you require a tracking number for overseas shipments, you must ship the goods by EMS or Fedex Global Express. We will ask you to pay the difference between Priority and EMS or Fedex in order to accommodate you. We do not make a penny on shipping so we will pass along our true shipping costs to you. Seller accepts returns as cash back. Buyer must notify seller within 7 days of receipt of goods and must return in same condition sent. We will not accept returns on damaged or altered goods. We can offer you an installment plan to suit your needs on any of our auctions. Please contact us to structure an installment plan that is interest free and can be spread over 1 year with maximum of 4 installments. Take the burden off of yourself by paying for your goods after Christmas. We use Paypal to administer the billing for our installment plans. Please do not bid on our auctions if you plan on using someone else's Paypal Account. We will not accept relatives, friends and etc. Paypal Accounts unless discussed prior to bidding and cleared by Paypal. No exceptions please. We do accept credit cards directly and can work with you on payment arrangements as long as they are done in advance and approved. All Luxury Taxes, Duties and so forth are the responsibility of the buyer. We must put down the purchase price of the gems on custom's declaration when we are going to buy insurance from the USPS, FEDEX, EMS, UPS and DHL. We cannot manipulate the value of gems for duty or tax avoidance. If you forego the complimentary insurance, then it your responsibility if the gems are lost in transit. Thank you for adhering to our guidelines. It is for your protection and ours.