I sold an item on Ebay last month,30 days later after transaction the buyer contacts me to let me know a finger was broken and what could I offer to do about it. As the artist I do not offer a refund as the buyer pays for usps insurance. However I did offer to create a new doll if she would send other back. She wants her money back, files a claim not as described with paypal. I didn't realize it till looking at the transaction again but she lives and works in Canada and had the item sent to Mass. and received it at a later date from her husbands friend at that address. Under PayPal User Agreement 13.3 Ineligible Items. PayPal Purchase Protection only applies to PayPal payments for certain tangible, physical goods. Payments for the following are not eligible for reimbursement under PayPal Purchase Protection:(Items which you collect in person, or arrange to be collected on your behalf, including at the retail point of sale). However my money has been frozen in my paypal account since Jan 4th.