ALL SALES ARE FINAL. Everything is sold "AS IS" with no guarantees, exchanges, returns, credit, or refunds unless otherwise stated by the auctioneer. Should a guarantee be provided by Gold N Times, all refunds, exchanges, and returns must be requested within 7 days of the customer taking possession of the merchandise. Requests after that point may be denied. No chargebacks are allowed. It is the responsibility of the bidder to assure him or herself of an item's condition prior to bidding. The bidder may review photos or ask specific questions before the auction closes. Gold N Times does not take responsibility for the buyer's failure to examine an item or obtain information. Merchandise is not subject to adjustments once the item has been sold. PAYMENT. We will charge the card registered with HiBid within 48 hours. If you need to change/update your payment method, log onto your account with HiBid and go to your profile to make any changes. Alterations or changes to your account must be done prior to the close of the sale. There is no discount for paying by check, wire, or cash. We accept Visa, Discover, or MasterCard. All payment communication must be done via email, not by phone. By bidding on an item, you are entering into a contract to pay for your purchases. Purchases of over $2,500 made by new buyers must be paid by certified bank check or cash. Purchases of silver, gold, or jewelry made by new buyers must be paid by certified bank check, wire transfer, or cash. SALES TAX & BUYER'S PREMIUM: All sales are subject to appropriate sales tax and buyer's premium. A 23% buyer's premium will be added to all items purchased. Sales tax is not charged if the item is shipped out of state. Sales tax exemption paperwork must be complete and submitted prior to close of sale. Once sales tax is charged, it will not be refunded. It is the responsibility of the buyer, not the auction company, to ensure that sales tax paperwork is complete, up to date, and on file. If you would like to email a copy of your ST-120 form, please send it to info@goldntimes.com. PICK-UP: Buyers are responsible to arrange for payment and collections of their item(s) within 7 days of the scheduled pick-up date. Any variation to your pick-up time, whether it's delayed, earlier than planned, or if someone else will be picking up on your behalf, must be communicated via email (info@goldntimes.com) prior to your scheduled pick-up time. ALL alternative arrangements must be communicated via email to have confirmation in writing, not by phone. Merchandise left 3 weeks after the auction closes with no communication may be resold. Pick-up is on Friday, November 1st, from 12:00pm - 6:00pm. Pick-up location is 15 Genesee St. in Mt. Morris, NY 14510. Any removal of lots is the responsibility of the bidder. Please bring assistance to load large items and packing materials as we will not have any available on location. SHIPPING: Gold N Times does not automatically ship every lot. Each lot has a "Shipping Available" or "No Shipping Available" icon. Shipping is not offered unless direct arrangements are made with the auctioneer. If you need your items shipped, please email us at info@goldntimes.com after you receive your invoice to make arrangements. We may work with a third-party shipper for an additional shipping and handling fee, or we can bring your items to a local shipping center if that is your preference. To use third-party shipping, the total cost will include the cost of shipping plus a $35 handling fee per lot. Note: All firearms will require a FFL transfer and NICS check, which will be conducted by Sugarbush Armory at 2065 Clinton Street Rd. in Attica, NY 14011. Payment for firearms is to be made to Gold N Times prior to pick-up at Sugarbush Armory and you must present your paid receipt to the Sugarbush employee. Sugarbush Armory will charge $35 per long gun transfer and $50 per handgun transfer. They also offer a discount for more than one transfer. Any shipping arrangements for firearms must be made with Sugarbush Armory. All firearms are located at Sugarbush Armory for viewing.