Terms of Sale (Divine Finds Jewelry)

Our Service Pledge

We try to respond to all emails and orders within 24 hours. If you don't hear from us, or don't get an invoice after you have placed a purchase order, please check your SPAM mail in case our invoice or reply has landed in there. We always reply to your emails and always send out invoices directly from Ruby Lane within a few hours of receiving your purchase order. Our customers are most important to us.

Return Policy

Ruby Lane and each of its independent shops want you to be satisfied with your purchase. To ensure your satisfaction and for the protection of both the buyer and shop owner, we have a Return Policy that each Ruby Lane shop owner honors. View Return Policy

Shipping/Handling/Insurance Policy

Because of the possibility of loss or theft in mail, we will only ship items with insurance & tracking. All shipping costs are the actual rates quoted by Canada Post, Fedex or UPS. We do not charge for our packaging costs or time!

If a buyer does not wish to pay for tracking & insurance (not recommended for any item over $100), once the item is out of our possession, buyer is responsible for covering all costs involved in the case of undelivered/lost or damaged mail. Seller cannot be held liable if insurance & tracking are not purchased and the item never arrives.

CUSTOMS: PLEASE BE AWARE THAT WE ARE NOT RESPONSIBLE FOR ANY DUTIES or TAXES IMPOSED BY YOUR COUNTRY OF RESIDENCE. BUYER MUST PAY ANY SUCH LEVIES.

CUSTOMS MAY HOLD/PROCESS A PACKAGE OVER ANY GIVEN LENGTH OF TIME: THE TIME THEY TAKE TO PROCESS A PACKAGE IS NOT PART OF ANY STATED 'GUARANTEED' DELIVERY TIME. THE GUARANTEED DELIVERY STANDARD APPLIES ONLY TO THE ACTUAL POSTAL/COURIER SERVICE USED. DELAYS INCLUDING CUSTOMS, ACTS OF GOD and UNFORESEEN CIRCUMSTANCES ARE NEVER PREDICTABLE and THEREFORE CANNOT BE INCLUDED IN ANY TIME GUARANTEES.

**Shipping 'delivery times' are estimates ONLY and are based on 'BUSINESS DAYS', Monday to Friday.

HOLIDAY SHIPPING: Though it's common sense, Holiday Shipping will almost always be delayed, especially at Christmas Time & New Years. Please, if placing an order during or around a big holiday season, give yourself AMPLE time when placing your order to avoid disappointment of gifts not arriving in time. Or, realize that IF ordered during a holiday, it likely isn't going to get to you quickly. We've seen items held up for weeks when shipped during the holidays and sadly, once out of our hands, we cannot 'speed' up any side of the delay, be it volume, shutdowns or customs. If RUSH shipping is required, FedEx is the best option.

Restocking Fee

When items are returned, unless we have made an error in our listing, we charge a 10% restocking fee on items up to $2500, 7.5% on items priced between $2501-$5000, and 5% on item $5000 & up. As well, items must be returned at buyer's expense in their original, non-altered condition. If jewelry has been sized or altered for you, whether by us before shipping to you, or by your own jeweler, returns are void unless exceptional circumstances arise. Please note: Original shipping costs, if NOT included with the purchase, are NON-REFUNDABLE.

AFTER 30 DAYS of RECEIPT: Please acknowledge & bear in mind that ALL items offered at Divine Finds are PRE-OWNED, ESTATE and/or ANTIQUE. While we go out of our way to ensure that at the time of sale & shipping our items show no repairable damage/wear, nor show signs of foreseeable problems arising in the future, after new wear ensues, damage can occur & we cannot be held responsible for those issues, be it chips to stones, breakage of prongs, loosening stones etc. We are here to help rectify or find the best solution to the problem, however, a prong breaking or a stone coming loose can happen to any piece of jewelry, new or old, at any time, and this sort of wear or damage is out of our control once the item has been received & worn by its new owner. Please consider this scenario when purchasing anything estate, be it jewelry, clothing, furniture, collectibles - even vehicles.

RETURN SHIPPING: Items must be returned with insurance and tracking, marked as "returned merchandise" so that we can issue the refund. We adhere to Ruby Lane's 3-Day Policy on all returns.

Layaway Policy

This shop offers a layaway plan for purchases. The Ruby Lane Return Policy does not apply to layaway purchases, and Layaway Plans may vary by shop. It is extremely important to read and understand this shops Layaway Plan below, and clarify any terms with the individual shop owner before you enter into a Layaway Plan agreement.

Plan Duration:
3 months
Payment Frequency:
Monthly
Down Payment:
25% *
Returns Accepted:
No
Exchanges Accepted:
Yes
Restocking Fee:
5% **
Cancellation Fee:
15% **
*Down payment applies to the percentage of the order total, including shipping and tax.
**Restocking and Cancellation Fees apply to the total purchase price of the item and DO NOT include shipping/handling or sales tax, which are the responsibility of the buyer.

Other Information

In all cases, we prefer payment via online INTERAC for our Canadian customers. Please enquire.

In all cases, payments made via PayPal MAY incur small additional processing fee to cover PayPal fees.

LAYAWAY POLICY:

We do accept LAYAWAY on items over $500.

Terms: We ask for a 1/4 to 1/3 down at the time you place your purchase order. If a down payment has not been received within 14 days of placing your order, orders will be canceled unless other arrangements have been made beforehand. After that, generally, the balance is paid over 3-4 month period at your convenience with no interest charged. Please contact us to discuss your layaway needs if you need other arrangements.

We are happy to offer layaway on items over $500 - $1000 for a period of 3 months. Items over $1000 may be put on layaway for a maximum 6 months, or on very high end items, we will agree to 9 months. All items MUST BE PAID in full by the end of the agreed upon layaway period or will be subject to fees as follows:

1) If you are doing layaway and cancel your order once payments have begun, we retain 15% of the TOTAL sale price of the item, and refund/return the remainder of what you've paid to that point.

More importantly: Should your order become DORMANT (no payment or contact made/received within 2 months from last payment/correspondence) OR 3 attempts to make contact and/or "payment reminders" have been sent over the course of the layaway (ie we regularly have to send non-payment reminders to receive a payment), OR if less than 25% of the layaway total has been received at the halfway mark, we have the right to cancel the layaway, and retain 15% of the TOTAL item price. You will always be sent a FINAL NOTICE before this occurs to give you every benefit of remedying the situation.

2) If a 3-6 month layaway has gone over a year, with no further payments beyond the initial deposit, we reserve the right to cancel the original purchase order and retain the FULL deposit paid to date.

3) There are NO RETURNS on Layaway items under any circumstances.

IMPORTANT: Orders which have been paid for by PayPal and then canceled BEFORE shipping, are subject to a 5% fee as we will already have paid bank fees on monies being transferred from PayPal to our bank.


*****A NOTE REGARDING OUR APPRAISALS: As it's important to us to share with you the exact gemological details of our pieces ie: diamond/gemstone carat weight, clarity, color, cut etc., for many of our rare and/or hi-end pieces, we pay to have appraisals done. There are all sorts of appraisals, from bare-minimum on the spot quick assessments to heavy, detailed reports, current/market price appraisals to insurance replacement value appraisals that take into consideration the cost of replacing an item 5, 10, 20 years from now.

The appraisals of ours that you see from GEM LAB in Toronto are insurance replacement appraisals, not current market-price appraisals. That is why our asking prices are always so much less than the values stated on Gem Lab appraisals. Many retailers will charge within 10% of an appraisal price. Sometimes this adds up to you paying too much currently for an item if it's a replacement value appraisal. Other times, it'll have you paying right on the money what something is currently worth. With our pieces graded by Gem Lab, unless very rare or designer/signed, you'll see that we usually only ask about 30-35% of the appraisal price, because we know that the appraisal is for 'replacement' purposes, not current retail/market prices. Through research & knowledge, we price our pieces competitively, yet very fairly to give you not only a great deal, but the BEST deal we can afford to offer you.

Our appraisals from STEVE KNIGHT however are very conservative current market prices, meaning the figure you see as the value is what you should expect to pay, in the very least, TODAY for the piece we're selling. These appraisals always take into account the age, condition etc. when calculating the overall current price. Though we'll likely still never actually charge exactly what that appraisal states as the value, realize that if you see a Steve Knight appraisal for example, $6995, that is today's market price, and we will charge somewhere within the vicinity of that evaluation, while still bringing you savings.

Sometimes you'll see two appraisals for the same piece, one from Steve, one from Gem Lab, so you have an idea of current pricing, and future replacement. Our price will always be closer to Steve's assessment so we're never over-charging you, our client.

And of course, as all our pieces are estate, pre-owned, or antique pieces, their condition, age, rarity etc. will all determine our final price with you. Rare, antique pieces in exceptional condition will always cost slightly more than a comparable piece that is say, only 40 years old, even if carat for carat they're the same. Other pieces you'll save even more on because they show love & wear! Wear will always be stated in our listings, so you know exactly what you're getting!!

Payments we accept: