All Merchandise is Sold As Is / Where Is, without warranty or guarantee of any kind. All sales are final. No Refunds. Direct Auction Galleries shall not be responsible for the correct description, genuineness, authenticity of, suitability of, or defect in any lot. Bidder Inspection is encouraged. By placing a bid, bidder signifies that they have examined the items to their satisfaction, or that they have chosen not to personally examine them. Direct Auction Galleries reserves the right to reject any bid or bidder at its discretion. In the event of a discrepancy, technical glitch, or any other circumstance, the auctioneer's decision on who is the winning bidder is final. Direct Auction Galleries shall not be held responsible for missed bids, internet outages, or anything else that might cause a bidder (internet, absentee or live bidding) to lose an item at auction. Direct Auction Galleries reserves the right to cancel and/or reopen the auction in the case of system failures. Some items may have reserves, and, as such, the auctioneer has the right to bid on the seller's behalf. Buyer's Premium is 22% with a 3% Administrative Fee when paying by Credit Card. Most Items must be Picked up or Shipped via a 3rd Party Shipper, unless it is Easy to Ship, then we will ship it and charge you for doing so, plus Insurance, Materials, and a Modest Packing Fee. (It is Our Judgment Call on which items we will ship in-house). It is the Buyer's Responsibility to Contract with the 3rd Party Shipper and pay them for Packing, Shipping, and Insurance. We can give you recommendations for shipping. 10 1/4% Illinois State Sales Tax on top of the Hammer Price and Buyer's Premium will apply to all Items Purchased, unless shipped out-of-state, or unless the Buyer has a valid dealer's resale number on file. Payment Terms are Cash, Cashier's Check, Wire Transfer, Debit Card, Visa, Mastercard, Discover, and American Express. Unless you are a regular customer of Direct Auction Galleries, all Purchases of coins or jewelry over $1,000 must be made by wire transfer. Payment(s) should be made to Direct Auction Galleries within 3 days of the Auction. A Late fee of an additional 5% Buyer's Premium will be Added for all Items not paid for or picked up within 7 days of the Auction.