Terms & Conditions Before a bid can be placed, all Bidders must first complete the "Buyer Registration" form. All submitted information must be accurate and current, and it is the duty of the Bidder to keep his or her information updated whenever necessary. Registered credit cards will not be charged unless the registrant becomes the Buyer. All registered credit cards will be subject to a USD$1.00 fee to validate the card. Upon registration, the Bidder warrants that they are of legal age in their country and have read and understood all of the following terms and conditions listed above and below, which apply to all auctions conducted by us and any Bidders/Buyers (herein referred to as "Participant" or "Participants") in said auctions. PRIVACY POLICY We reserve the right to: cancel bids and/or restrict the use of our site; refuse service to anyone at any time; add or remove items at any point in the auction; revise descriptions of the items if a change needs to be made; ban users for violating our terms and conditions; hold items until the payment has been cleared; withdraw any item and to reoffer the item at another time; resell any items that have not been paid in full by the payment deadline. We are not responsible for the misinterpretation of items and/or descriptions, if any, by the Participants; it is the Participants' responsibility to understand the item thoroughly before bidding. In any cases of dispute, our decision is final. All legal matters will be settled as per Ontario law and the Bidder/Buyer consents that the venue be located in Ontario, Canada. All items are sold on an AS IS, WHERE IS basis, with all faults. We make every effort to represent all items clearly and accurately in photographs and descriptions and will indicate any major defects on an item. Some items may have a Reserve. In this case, items with a Reserve cannot be won until a bid has reached the Reserve price. These items will be clearly marked and identified. In the event that a picture and description do not match, the description takes precedence. If we are prevented by fire, theft, or any other reason whatsoever from delivering and/or shipping items to the Buyer, our liability shall only be limited to the sum that was paid. SOFT CLOSE POLICY In the event that a bid is placed on an item in the final minutes of an auction sale, the auction will automatically be extended for an additional 3 minutes to prevent 'auction sniping'. The extension will continue until all the bids have stopped. CONDITION OF ITEMS We take every effort to accurately describe all items offered in its sales, and guarantee the items for their metal content and gemstone(s). We do not provide warranty for labour. We have knowledgeable and qualified experts to provide accurate descriptions and suggested replacement values on the certificates we provide. Appraisals included with any item are for insurance purposes only. The value indicated is the appraiser's own opinion and only reflects its replacement cost. Most appraisals only indicate the Canadian value of the item. Appraisals cost approximately $50 and up for each copy. ***EFFECTIVE SEPTEMBER 10TH, 2015: ALL ITEMS WITH AN APPRAISAL WILL BE CHARGED A FEE OF $5.00 USD EACH. THIS IS TO COVER OUR COST FOR THE APPRAISAL. IF THE PARTICIPANT DOES NOT WISH TO PAY THIS FEE, WE RESERVE THE RIGHT TO WITHOLD THE ITEM AND RESELL IT AT A LATER DATE*** Returns are not accepted; ALL SALES ARE FINAL. By placing a bid, the Participant has signified that the description of the item(s) in question is satisfactory and will not be entitled to make any objections after the sale. SALES TAX International bidders are not subject to any tax in Canada. For customers in Canada, the winning bid will be converted from USD to CAD at applicable rate. HST at 13% is applicable will be applicable for shipments within Canada. PAYMENT AND INVOICING Invoices will be sent by email the next business day and orders will be shipped within 3 business days after payment is received. All payments are accepted in US or CAD funds. Participant is responsible for keeping their credit card up to date and ensuring the necessary funds is available on their card. ATTENTION: INTERNATIONAL BIDDERS International Buyers are responsible for paying all customs, duties, and taxes in their countries. We wish to mention that there is no duty on Canadian goods to be imported in the United States of America, New Zealand, Mexico, Australia, and other countries which have free trade agreement with Canada. SHIPPING Free shipping and handling for purchases over USD $500.00 for North America. Free shipping handling for International purchases over USD $1000.00. A flat fee of USD $20.00 will be charged for all other purchases. A flat fee of USD $30.00 will be added for insured mail or FedEx service. The buyer expressly agrees to indemnify and save Affordable Creations and their assigns harmless from and against all claims, losses, expenses, damage or liability, directly or indirectly caused by or resulting from an act, including the negligent acts or omissions of Affordable Creations, or anyone acting in his/her behalf in connection with or arising out of an auction. By bidding, you are acknowledging that you have read, understood, and are in agreement with the terms outlined above and that your bid is a binding contract. F.A.Q. When will my invoice be sent? Invoices will be sent the next business day following the close of the auction. How do I register? First time bidders should click on the New Bidder link on the right side of the page. Fill out all the required information in the registration form and click Submit. Once your account is set up, you must enter a valid credit card to be able to bid on items. For most auctions, this card will be billed upon the auction's close. Your card will be charged a $1.00 fee every six months for verification purposes. Please note that registrations will not be accepted without a valid credit card, address, and name. How do I bid? Select the auction you want to bid on. Scroll to the lot you wish to place a bid on and a new page will open asking you to confirm your bid. At this point, you may also enter a Maximum Bid which will guarantee you to pay the lowest bid possible to win the item. What is a Maximum Bid? A maximum bid is the highest amount you are willing to pay for an item, but also ensures that you will only pay the lowest amount possible to win the item. For example, if you place a bid for $50 and place a maximum bid of $100, you are guaranteed to win the item for any amount between $50 to $100 unless someone bids higher than $100. What are the bid increments? Bid increments are the amounts each bid will increase based on the current bid price. The higher value the item, the higher the bid increments. What is MSRP? MSRP stands for Manufacturer's Suggested Retail Price. We have 30 years of marketing silver and gold jewelry around the world including India, Thailand, Cambodia, USA, and Canada. Most of our gold jewelry is produced by us in Canada. With our experience we estimate manufacturing cost, gemological value of our products are guaranteed to be at least equal to or higher than the MSRP.