I ordered fabric on Etsy. I did not receive the fabric. One would think that is a clear cut case. Etsy sided with the seller because the seller could prove that they shipped the fabric even though I never received it. The seller did not insure the package so I was out the money. This is not the way real businesses are run. Plus when you ship something, it is between the seller and USPS, not the buyer. I could not have filed a claim even if it was insured. The seller still refused to do anything. Etsy's response was that it is between the buyer and seller and Etsy is not legally responsible. Apparently you agree to these terms when you sign up for the site. I do not believe this as it was Etsy's rule that the seller used so that they could keep my money. Paypal also sided with the seller even though their own rules state if you don't receive the package, not if the seller can prove they shipped it. I do not recommend using Etsy or paypal. Stick to reputable businesses.