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hankronI beleive the buyer gets the refund from the person who sold it to him, who gets the refund from the person who stole it from him, who ....
I beleive the phrase is, "Keep you receipt."
Beyond evidence of authenticity, one reason why documented provenance is used in the high end fine arts is to prove the work is not stolen. It's similar to when you buy a million dollar house and have paperwork proving that the person you are paying a million bucks actually is the house's owner.