The Service allows token holders to access the Site and BORROW products from GOPAID’s collection in accordance with these Terms and Conditions. Members also agree to comply with any terms, conditions, or policies that GOPAID may provide to users from time to time on the site. The member can choose products to borrow from our expansive collection, and have them shipped to the member's address. All of this with no due dates or limits on the number of times a member can borrow. However, we reserve the right to ask for a deposit, insurance and/or limit the number of items that a member may borrow at any time and/or to require the return of any or all borrowed items in your possession in the event you fail to make required payments on time or in the event other factors arise which, in our sole discretion, increase the risk of non-timely payment by you. The current monthly borrowing rates are outlined in detail on the Site. Also, the current shipping policies governing the delivery and return of products are detailed on the Site. Delivery time for products you have selected to borrow may vary based upon (a) inventory availability, (b) your delivery address, (c) when you place an order, and (d) other circumstances impacting delivery. Accordingly, GOPAID makes no guarantees as to actual delivery time. We will send you an email letting you know when your product is shipped. The borrowing period begins the date of delivery scan. The risk of loss for items shipped passes to you upon delivery but will be insured with no deductible. All confirmed deliveries are the sole responsibility of the recipient and you will be charged borrowing fees until the item is returned. If you are unable to locate a confirmed delivery, you are required to contact GOPAID immediately to place a tracer investigation with the shipper and to temporarily suspend the borrowing period. All tracers take 8-12 business days to complete and until the results of the investigation are received, we are not able to proceed with the resolution of a lost item.