Layaway Policy
Sometimes you find the perfect piece of jewellery at an imperfect time for the bank balance! Layaway is a monthly payment plan, allowing you to split the cost of a piece across a longer time period.
Layaway is available at our discretion on pieces that have listed on the site for more than 48 hours. Generally, pieces must be +£600 to be considered for a layaway payment plan. There are no additional fees or interest rates associated to our Layaway terms. If you are interested in coordinating a layaway plan please complete our contact form and we will respond to you via email. All Layaway policies come with a contract that confirms the terms and includes the payment schedule for your peace of mind.
We request a non-refundable 33.33% deposit to confirm the layaway. Layovers are eligible for cancellation prior to the final payment term but you will forfeit the 33.33% deposit as a restocking fee.
Generally, our layaway term is for a period of three calendar months, with three equal payments of 33.33% until your piece is paid in full. If appliable, tariffs/ custom fees will also be added to the payment plan. We will add the shipping fee to your final monthly instalment and contact you to coordinate shipping once the final payment has been paid.
Pieces priced at £1,500 and above may be legible for a slightly extended layaway term. Please message us via the contact form for more details.
Late or missed payments may result in the layaway plan being cancelled. Customers will be given notice if their account is in arrears before this happens. If any agreed payment is made more than seven days late, or customers cease to communicate, it will result in the layaway agreement being cancelled and payments made to date will be returned; minus the 33.33% non-refundable deposit that will be retained as a restocking fee.
Once the piece has been paid in full, it is considered a final sale and is not eligible for a refund or any form of exchange. If you are in any doubt, please coordinate a virtual viewing prior to coordinating a layaway payment plan.
Terms and Conditions
Policies are in accordance with our terms and conditions. Please read them for more information.
Sales Policy
UK orders
We endeavour to post orders within three working days of order using Royal Mail Special Delivery, which should arrive the day after dispatch. A £8 delivery fee is payable by the customer.
International orders
We endeavour to post orders within three working days of order using the tracked service from Royal Mail International. A £15 delivery fee is payable by the customer if the piece(s) is delivered to Ireland, and a £20 delivery fee is payable by the customer for all other international locations.
Insurance
All purchases from Percy & Gold are insured with our carrier service, Royal Mail, and/ or Secursus to provide our wonderful customers with peace of mind.
Customs, duties and tariffs
International orders may be subject import duties and fees and they are the responsibility of the customer; please check local regulations by accessing this tool: https://www.simplyduty.com/
Orders placed by customers in America will see a 10% “sales tax” added to your cart at check out. This is the tariff on goods imported from the UK to the USA. Taking tariff payments in advance is essential to Royal Mail and also means we can post your piece(s) via Delivery Duty Paid (DDP) - this ensures clarity of pricing and minimises the risk of parcels getting delayed or stuck in customs.
Unfortunately, we cannot influence delays that may be caused by customs in the country of delivery and parcels refused or returned due to unpaid customs or tariffs will not be refunded.