Buyers must accept the following Terms & Conditions to participate in Friends of Hubbell Native American Arts live auctions. By signing up as a bidder, you acknowledge that you have read and understood our Terms & Conditions and agree to abide by them. Total Sales Price The total sales price of an item includes the hammer price plus a 10% buyer's premium. The buyer agrees to pay the actual costs of [acking, shipping, and insurance. Shipping & Packing UPS will ship to any valid United States address. At the end of the auction, we will transfer items to be transferred to UPS. Returns and Refunds: All sales are final. Friends of Hubbell makes every reasonable effort to accurately describe the size, condition, and provenance of auction lots. In the event of a material error in the description or condition of an item, the buyer agrees to contact the chairman. The chairman will work with the buyer to determine an equitable solution based on the circumstances. Payment Due On-site live auction buyers must submit complete payment at check-out from the auction. Remote buyers must complete payment upon receipt of notification of a successful bid no later than 3 days after an invoice is received. The title shall pass to the Buyer once payment in full has been made. The Buyer will bear all shipping charges. Any item that has not been paid within 3 days after the receipt of the notification may be put back on the auction block for sale. Any buyer who does not post payment will automatically be blocked from future auctions. Methods of Payment: Friends of Hubbell accepts payment by Visa, MasterCard, American Express, Discover, personal checks and cash. Right to refuse sale: We reserve the right to refuse any sale due to unforeseen circumstances including, but not limited to, damage to an item, out-of-stock listing, item misrepresentation, or consignment withdrawal. In the event of a refused sale for which payment has already been received, a full refund will be issued equal to the purchase price of the given piece.