PP payment for pick up item

[*kazumi*]

I just sold piece of furniture and the buyer immediately paid by PP.  Yes, I know, totally my stupidity; I usually put in large letters CASH ONLY, but I left it out on this one.  But it was listed as pick up only.  The PP receipt said:
"This item is eligible for Seller Protection.

To remain eligible, ship the item to the address confirmed below. We recommend using a shipping method you can track.

Please note, items delivered in person or to a different address are not covered by Seller Protection."

what the hell, I thought that they used to say that items listed as pick up only do  not have buyer or seller protection.  I have refunded her, and asked her to confirm she will pay cash on pick up, and haven't heard. 

I thought there was NO buyer or seller protection on pick up only items.  What is the situation now?