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Joe D.when is a transaction of a product complete?
upon payment?
or - when the buyer takes possession of the product?
I always assume it is when the buyer takes possession.... so I have always included insurance in my shipping costs on eBay and the BST.
I am thinking that no matter how it is worded otherwise... legally the buyer would have grounds for a refund of payment if he never took possession of a product.
Lawyers (and law students)?