After all my searching and reading, the only thing I found was this:     Who is responsible for undelivered goods or damage in transit?   Read the delivery terms and conditions before you buy from an online seller. That information usually explains how such issues are handled and who is responsible if goods are not delivered or get damaged in transit.

But dont Ebay and Paypal policies override whatever we put on a listing anyway. We would be hard put to refer to our TOS to resolve a paypal claim