Store Policies

We offer a 6 month layaway plan for any item you desire. We do require an initial 25% deposit of the total purchase including tax. The payments thereafter must be made once a month. Alterations & adjustments, such as ring sizing, will be made when item is paid in full. Expired layaways will receive an instore credit for monies received less any restocking fees that were incurred.

E.M. Smith Jewelers offers financing through several institutions to meet your needs. "Same as cash" and other payment plans are available on occasion, inquire for details.

Gift Cards
We offer gift cards in any denomination.

Returns & Exchanges
Most returns & exchanges are accepted within 30 days of purchase. Special orders, custom made jewelry and altered items may be non-returnable and/or subject to restocking fees.

Refunds are accepted within 30 days of purchase. All refunds must be "in new condition" and accompanied by your original receipt or a copy of it. We do not offer returns or refunds on Special Ordered Items, Custom Made Jewelry, Estate and Clearance items. Refunds are subject to restocking fees if alterations have been performed and/or if the item needs polishing.

Diamond Inspections
We recommend bringing us your diamond jewelry for inspection every 6 months. We will inspect the prongs to help prevent any possible damage or loss of your gemstones. This inspection service is free.

We are happy to provide you with a free insurance appraisal on your purchase. Appraisals are performed by our Graduate Gemologist Appraisers trained by the Gemological Institute of America (GIA).

Custom Work
All custom jewelry is nonrefundable and requires a 50% deposit before the work begins. Full payment upon receipt of custom work will denote the client's complete satisfaction.