Store Policies
Refund, Waranty, Flex Policies, Payout Option, Missed Payment, Curt Credit, Guanranty, etc

CURTIS J LEWIS FINE JEWELRY 23 West 47th Street, Room 303, New York NY call 212-827-0722

FLEX POLICIES:

REFUNDS:
A) ITEMS SOLD FROM STOCK AT CURT'S ORIGINAL ASKING PRICE WHICH ARE RETURNED
WITHIN 30 DAYS, WILL BE ELIGIBLE FOR A REFUND LESS A 10% RESTOCKING FEE. ITEMS SOLD AT SALE WITH IN 10% OF CURT'S ASKING PRICE RETURNED WITH IN 30 DAYS WILL RECEIVE A MERCHANDISE CREDIT LESS A 10% RESTOCKING FEE. GOOD AT TIME OF RETURN. ITEMS SOLD WITH A DISCOUNT GREATER THEN 10% ARE FINAL SALES (NO EXCEPTIONS). PIECES MUST BE RETURNED IN CONDITION SOLD OR A
RECONDITIONING FEE WILL BE APPLIED. SPECIAL SHIPPING FEES WILL NOT BE REFUNDED. SHIPPING REFUNDS ARE AT THE DISCRETION OF CURTIS J LEWIS FINE JEWELRY.
B) NO ITEM WILL BE ALLOWED TO BE RETURNED AFTER 30 DAYS EVEN IF SHIPPED BEFORE
THE 30 DAY PERIOD.
C) SPECIAL ORDERED ARTICLES MAY BE EXCHANGED ONLY AND MAY BE SUBJECTED TO A
RESTOCKING FEES OR MAY NOT BE RETURNABLE AT ALL. THE ASSUMPTION IS THEY WILL NOT
BE ALLOWED TO BE RETURNED UNLESS CURTIS J LEWIS OR AN OFFICER OF THE COMPANY
AUTHORIZES THE TRANSACTION.
D) RETURNS MUST BE ACCOMPANIED BY THE ORIGINAL SALES RECEIPT.
E) REFUNDS WILL BE MADE BY CHECK ONLY. REFUNDS WILL BE ISSUED WITHIN TEN DAYS OF
ITEMS RETURNED. ALL REFUNDS WILL BE MAILED WITHIN 10 DAYS OF RETURNED ARTICLE
BEING RECIEVED DUE TO THE TIME THAT MAY BE NEEDED TO DO A CONDITION ANALYSIS ON
RETURNED ITEM.

WARRANTED:
EVERY PIECE SOLD COMES WITH A ONE YEAR LIMITED WARRANTY, UNLESS SOLD FOR 15% OR
MORE OFF CURT'S ASKING PRICE (WHICH SHORTENS THE WARRANTY TO 60 DAYS). IT COVERS
REPAIRS UP TO 20% OF THE PURCHASE PRICE UP TO $500.00 IN TOTAL. THE AMOUNT OF
REPAIR IS BASED ON OUR NORMAL REPAIR FEE SCHEDULE. MULTIPLE REPAIRS ARE
COVERED WITH THE FIRST YEAR OF ORIGINAL PURCHASE AND THE REPAIR FEES ARE
TOTALED UP. ALL REPAIR WORK IS AT THE DISCRETION OF CURTIS J LEWIS FINE JEWELRY.

MANUFACTURED DEFECTS
IN THE EVENT A PIECE HAS A MANUFACTURED DEFECT WE WILL REPAIR TO NEW CONDITION,
REPLACE IT, OR EXCHANGE IT, IF AFTER 30 DAYS, AT OUR DISCRETION.
IF IT IS BEFORE 30 DAYS A REFUND WILL BE AVAILABLE ON IN STOCK MERCHANDISE ONLY. A CREDIT WILL BE AVAILABLE FOR SPECIAL ORDERED ITEMS IF WITHIN 30 DAYS. CUSTOM ORDERED ITEMS ARE NOT REFUNDABLE OR EXCHANGEABLE BUT ARE COVERED UNDER OUR DEFECT POLICY ABOVE, UNLESS OTHERWISE SPECIFIED AHEAD IN WRITING BY AN AGENT OF THE COMPANY.


PAY OUT OPTIONS:
A) IN STOCK ITEMS OF THREE HUNDRED DOLLARS ($300.00) UP TO ONE THOUSAND DOLLARS
($1000.00) CAN BE PAID OUT OVER FOUR EQUAL PAYMENTS.
B) IN STOCK ITEMS OF ONE THOUSAND DOLLARS ($1000.00) OR UP TO ONE THOUSAND FIVE
HUNDRED DOLLARS ($1500.00) CAN BE PAID OUT OVER FIVE EQUAL PAYMENTS. I ITEMS OF
OVER ONE THOUSAND FIVE HUNDRED ($1500) CAN BE BROKEN OUT IN SIX PAYMENTS.
C) ANY ADJUSTMENTS OR CHANGES TO THIS POLICY IS LEFT EXCLUSIVELY TO CURTIS J LEWIS
AND OFFICERS OF THE COMPANY.
D) PIECES NOT INCLUDED ARE; SPECIAL ORDERED ITEMS: PIECES NOT WHOLLY OWNED BY
CURTIS J LEWIS: EXTREMELY LOW MARGIN ITEMS LIKE LOOSE DIAMONDS AND GEM STONES,
DIAMOND ENGAGEMENT RINGS, DIAMOND STUD EARRINGS OF 1/2 CARAT OR MORE, DIAMOND
TENNIS BRACELETS OF 2CT OR MORE: AND ITEMS OVER $5000.00.

E) IN THE EVENT THAT THE A PAYMENT DATE FALLS ON A WEEKEND OR A HOLIDAY, PAYMENT WILL BE CHARGED THE LAST DAY WE ARE IN THE STORE BEFORE THE DUE DATE.

F) BECAUSE OF CURT'S EFFORT TO GO GREEN ONCE THE FINAL PAYMENT IS MADE AN EMAIL WILL GO OUT TO CONFIRM THAT THE PAYMENT OBLIGATION HAS BEEN COMPLETED. NO LONGER WILL WE BE MAILING A RECEIPT. THANK YOU FOR UNDERSTANDING.


MISSED PAYMENTS:
A) $30.00 FEE WILL BE INCURRED ON ANY LATE PAYMENTS FOR ANY REASON AND RETURNED
CHECKS. THERE IS NO GRACE PERIOD BEYOND THE AGREED UPON DATES.
B) OPEN ENDED PAY OUT AGREEMENTS MUST BE PAID MONTHLY IN THE AMOUNT OF AT LEAST
1/5 (20%) OF THE ORIGINAL AMOUNT. FAILURE TO MAKE PAYMENTS WILL BE TREATED LIKE
LATE PAYMENT. PAYMENTS LESS THAN 1/5 (20%) WILL BE CHARGED 2% INTEREST MONTHLY
(24% ANNUAL).
C) PAYMENTS LESS THEN THE AGREED AMOUNT WILL INCUR A 2% A MONTH SURCHARGE
BASED ON THE FULL AMOUNT OWED AT THE TIME OF THE PREVIOUS PAYMENT DUE.
CALCULATED MONTHLY. ON MULTIPLE RECEIPTS WE WILL ADD THEM TOGETHER.
D) 2 MISSED PAYMENTS IN A ROW WILL BE CONSIDERED A DEFAULT AND MAY RESULT IN
SENDING ACCOUNT TO COLLECTIONS WHERE CLIENT WILL BE RESPONSIBLE FOR ALL COSTS
TO COLLECT DEBT. PLEASE DON'T LET THIS HAPPEN. CURT IS MORE THEN WILLING TO WORK
OUT A FEE SCHEDULE THAT WILL WORK FOR BOTH PARTIES.

CURT CREDIT:
A) CLIENTS WHO OPT TO TAKE CURT'S (CURTIS J LEWIS) PERSONAL LOAN TO PAY OFF BALANCE
OF GOODS TAKEN AS DESCRIBED IN RECEIPT PROVIDED AT TIME OF SALE AND AGREES TO ALLOWING US TO CHARGE INTEREST OF AT LEAST 9% ANNUAL WHILE AGREEING TO THESE TERMS AS STATED BELOW. (INTEREST RATE IS AT CURT'S DISCRETION)
B) CLIENT AGREES TO MAKE MINIMUM PAYMENTS OF 5% OF BALANCE INCLUDING INTEREST
ACCRUED.
C) CLIENT UNDERSTANDS HE/SHE CAN MAKE A LARGER PAYMENT WITH NO PRE-PAYMENT
PENALTY.
D) CLIENT AGREES TO LEAVE A CARD ON FILE FOR US TO CHARGE FOR AT LEAST THE MINIMUM
PAYMENT, AND CAN BY PHONE OR AT THE BOTTOM OF THE AGREEMENT PROVIDED AUTHORIZE
US TO TAKE A LARGER PAYMENT.
E) IT IS UP TO CLIENT TO REPLACE THE CARD BEFORE THE NEXT PAYMENT IN THE EVENT
CARD WILL NOT ALLOW CURT TO TAKE THE MINIMUM PAYMENT; EXAMPLE: CARD EXPIRED,
CARD IS LOST OR STOLEN, CARD IS OVER THE LIMIT, CARD HAS BEEN TEMPORARILY
DEACTIVATED.

F) THE MINIMUM PAYMENT THAT WILL BE TAKEN IS $75.00 ONCE 5% OF THE BALANCE BECOMES LESS THEN THAT AMOUNT, UNLESS IT IS THE LAST PAYMENT IN WHICH CASE THE BALANCE WILL BE TAKEN.

G) AN INTEREST RATE OF 9 TO 12% ANNUAL WILL BE DETERMINED AND START AT TIME OF AGREEMENT. FIRST MISSED PAYMENT WILL HAVE INTEREST RATE DOUBLE A SECOND MISSED PAYMENT INSIDE A YEAR WILL HAVE INTEREST RATE INCREASE 2.5 TIMES THE ORIGINAL. 2 MISSED PAYMENTS IN A ROW WILL CONSTITUTE DEFAULT AND LEAD TO LEGAL ACTION. PLEASE STAY IN TOUCH WITH US TO AVOID THIS.

BY AGREEING TO THESE STIPULATIONS YOU ARE PROMISING TO MEET YOUR RESPONSIBILITY AND WILL BE RESPONSIBLE FOR ALL COST INCURRED BY CURTIS J LEWIS IN COLLECTING THIS DEBT IF YOU FAIL TO PAY THE FULL BALANCE OFF.


MISSED PAYMENTS:
A)
$30.00 FEE WILL BE INCURRED ON ANY LATE PAYMENTS FOR ANY REASON AND RETURNED
CHECKS. THERE IS NO GRACE PERIOD BEYOND THE AGREED UPON DATES.
B) FIRST MISSED PAYMENT WILL HAVE INTEREST JUMP UP TO 1.5%- 2% MONTHLY18%-24% ANNUAL INTEREST ONLY TO BE REDUCE
AFTER 6 CONSECUTIVE MONTHS OF TIMELY PAYMENTS. CLIENT MUST REQUEST REDUCTION
IN WRITING BY CERTIFIED LETTER, OR EMAIL (CLEWIS166@CS.COM). IT IS UP TO THE CLIENT TO
ASK FOR THE REDUCTION. NO BACK DATING OF HIGHER INTEREST WILL BE REFUNDED.
C) 2 MISSED PAYMENTS IN A ROW WILL BE CONSIDERED A DEFAULT AND MAY RESULT IN
SENDING ACCOUNT TO COLLECTIONS WHERE CLIENT WILL BE RESPONSIBLE FOR ALL LEGAL
COSTS TO COLLECT DEBT. PLEASE DON'T LET THIS HAPPEN. CURT IS MORE THEN WILLING TO
WORK OUT A FEE SCHEDULE THAT WILL WORK FOR BOTH PARTIES.

YOUR STARTING AND LOCKED IN INTEREST WILL BE 9% ANNUAL TAKEN MONTHLY AT 0.75%. THIS IS A ONE TIME CHARGE EACH MONTH TAKEN THE SAME DAY AS THE AGREED UPON OR THE DAY OF THE ORIGINAL RECEIPT.


SHIPPING:
A) ALL SHIPPING FEES ARE AT THE DISCRETION OF CURTIS J LEWIS.
B) GROUND SHIPPING FEE: SHIPPED USPS INSURED (OTHER ARRANGEMENTS CAN BE MADE
AT ADDITIONAL COST).
PACKAGE VALUE: UNDER $100.00 FEE: $5.00 US POSTAL INSURED
100.00-200.00 FEE: $8.00 US POSTAL INSURED
201.00 AND ABOVE FEE $12.00 + 1.20 PER $100.00 (ROUNDED UP AFTER FIRST
DOLLAR)
C.O.D. FEE $18.00
C) AIR SHIPPING WILL BE CHARGED ACCORDINGLY:
2ND DAY: $30.00 PLUS$1.20 PER HUNDRED DOLLARS OF VALUE.
NEXT DAY: $55.00 PLUS $1.20 PER HUNDRED DOLLARS OF VALUE.
D) ALL FEES ARE TO BE PAID BY CLIENT UNLESS AGREED TO BY CURT OR ONE OF HIS
REPRESENTATIVES IN ADVANCE IN WRITING.

DELIVERY SERVICE
TO BE CHARGED ON A TIME CONSIDERATION AT $75.00 AN HOUR PLUS GAS AND TOLLS.

WHOLESALE SALES:

ALL WHOLESALE SALES ARE FINAL AND NO REFUND WILL BE OFFERED. SOME EXCHANGES MAYBE ALLOWED WITH A RESTOCKING FEE OF AT LEAST 20% UP TO 40% WITHIN 6 MONTHS OF PURCHASE. AT THE DISCRETION OF CURTIS J. LEWIS. WARRANTY IS LIMITED TO 60 DAYS FROM DAY OF PURCHASE.

CUSTOM ORDER AGREEMENT:

The moment a custom/special order sale has been consummated with a signature from the client, it cannot be canceled without a fee being paid due to the investment by Curt or one of his agents in said sale.This covers our time spent; eg. working out details, preparing said job, working with our artisans and vendors on pricing and organizing it's completion, Etc.


We apologize in advance but it has become a necessary fee for doing business in our current economic climate. A deposit will be required to cover this expense. The fee will start at 20% of the estimated cost (but could be higher At Curt's discretion) of said job but not less then $100.00 and not greater then $1000.00. To avoid the fee, come prepared with the knowledge you are ready to go forward.


Included:

All work completed is covered under our one year limited warranty as denoted above/below. Included in every custom job with a new model involved, is a second model made at the client's discretion, as long as careful instructions have been given for adjustments. Any additional alterations are at the expense of the client.

Excluded:

There is no fee assumed on a quote or work up for said job unless otherwise agreed on ahead of time. Again, it is best to be prepared with a budget and a strong idea of what you are looking to accomplish. As always, it is our pleasure to work with our clients on these special requests. They are the thrust of Curt's artistic background and years of experience.


Thank you for understanding.