My ToS:

>> Payment is in full upfront. No exceptions. I am more than willing to quote you so don't be afraid to approach me in notes in regards to a potential commission for the time being, but I will not reserve a slot for you, not even with 50% upfront.
>> I only accept PayPal as a form of payment.
>> If you back out of a commission, you are only entitled to a refund if I have not completed the sketch. However, if the sketch has been completed and approved, please anticipate that I am unlikely to refund you.
>> Please don't harass me on when your commission will be completed. I have a lot on my plate right now. I always try my hardest to complete commissions as quick as possible, but sometimes my mental health as well as my full-time job may lead to some delays. Badgering me will only make me feel worse. Please take this into consideration before commissioning me.

If you are not 100% on board with any of the above listed conditions I'm sorry to say that I will not be able to work with you.