I encourage questions and expect payment within three days after purchase. I do entertain refunds requested within 7 days of receipt. High-end items I do send insured and if there is a problem, please report it immediately. I will not unfortunately take back an item for refund if it is not in the condition it was received. Insurance would cover damage upon receipt. However, when the item is worn, even jewelry, it cannot be guaranteed the item was not in some way damaged - for instance, accidentily bumping it and loosening a stone or bending or scratching the item or in some way exposing it to too much liquid, oils, chemicals, cosmetics, etc. Not all items I sell are strictly gemstones and hard metals but can be ivory, pearl and other materials that are impacted by such things encountered in normal wear. I do take every effort to make sure when the item leaves me it is in good condition and any flaws are reported in the listing. On high end items, if the item is returned I do charge a 10% restocking fee.
If you wish to check my history (since I am new to Etsy) please check the other known selling venue - I am stampshopgirl in that venue and have 100% rating (as of the time of this posting) and have had over 2,670 feedbacks and lots of good comments about proper and fast shipping and accurate descriptions.