they said that the seller didn't have a paypal symbol next to their seller id so it wasn't covered, but on their terms, it didn't say anything about it. it just said that i have to buy it off ebay, the paypal has to be the one in the ebay auction and not another one, and it had to be a physical product and not a service. the final price was 1150. paypal said that they will do what they can to get the money back, and the seller only had 175 in his acct so they took it and requested him to give me a refund which he won't. so both our paypal account is locked. so the only way this goes away is if the seller give me a refund or i pay paypal, which i am not going to cause im not going to get screwed over twice.