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Terms of Use

The terms that govern your use of our website and your purchases with us.

Last Updated: 18 September 2026

General Terms And Conditions Of Sale

Welcome to our website. We appreciate your business, and we welcome your feedback on anything we could do better.

Carat & Clay ("Carat & Clay", "we", "our" or "us") provides this website (the "Site") and sells products to you subject to these General Terms and Conditions of Sale (the "Terms"), together with the other customer service pages we publish. Please read them carefully. By visiting or using the Site, or by placing an order, you confirm that you have read, understood and agree to be bound by these Terms.

You also agree to obey all applicable laws and regulations, including copyright and trademark law, and not to infringe anyone else's rights. You agree that you will not use, sell or supply any product bought from us in an unlawful way, and that you will comply with all export control and sanctions rules. If you do not agree to these Terms, please do not use the Site.

By buying from us, you acknowledge that our approved payment processor takes your payment, and that approved carriers deliver your order.

1. Privacy

We collect information about you in connection with your visit and your purchase. We use, store and otherwise process it as described in our Privacy Policy, which also applies to your use of the Site. You confirm that any information you give us is true, complete and accurate. Breaking these Terms or the Privacy Policy may lead to your account being suspended.

2. Ownership, Feedback And Copyright

This Site is owned and operated by Carat & Clay. Unless we say otherwise, everything on the Site — text, graphics, logos, icons, images, artwork, product photography, video and software — is our property or is used by us under license, and is protected by copyright and other laws.

If you send us feedback, comments or suggestions about the Site or our products ("Feedback"), all rights in that Feedback, including intellectual property rights, belong to us. You transfer and assign those rights to us and waive any moral rights in them. We are free to use Feedback, or not use it, entirely at our discretion.

We do welcome Feedback, provided it is not unlawful, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise harmful to others, and provided it contains no viruses, political campaigning, commercial solicitation, chain letters, mass mailings or spam. You must not use a false email address, impersonate anyone, or otherwise mislead us about where Feedback came from.

Please note that we cannot accept or consider unsolicited creative ideas, inventions, designs or materials. Please keep Feedback specific and practical. We are not liable for any use or disclosure of Feedback.

Any breach of our intellectual property rights may lead to account suspension, liability for damages, injunctive relief, or other legal action.

3. Trademarks

Our name, logos, headers, icons, scripts and service names are our marks (the "Marks"). Our Marks may not be used in connection with any product or service that is not ours, in any way that is likely to confuse customers, or in any way that harms or discredits us. All other trademarks connected with products sold on the Site belong to their owners.

Nothing on the Site or in these Terms grants you any license or right to use any Mark without our written permission, or the permission of the mark's owner. Our name and logos may not be used for any purpose, or as a link to another website, without our prior written consent.

4. Use Of The Site

The Site and its content are for personal, non-commercial use by visitors and shoppers. Any other use is prohibited. You agree not to reproduce, publish, transmit, distribute, modify, create derivative works from, or commercially exploit any of the content.

You must not:

  • Use, modify, create derivative works of, transfer, reproduce, distribute, display or disclose the content, or use it for any commercial purpose, public display, performance, sale or rental

  • Decompile, reverse engineer or disassemble the content

  • Remove any copyright, trademark or other proprietary notice from the content

  • Disrupt servers or networks connected to the Site

  • Use or launch any automated system, including robots, spiders and scrapers, to access the Site or extract content or data from it, including our diamond inventory, prices or product photography

  • Get around, disable or interfere with any security feature of the Site, or any feature that limits use or copying of content

You also agree not to use the Site in any way that could harm how it works.

5. Your Account And Placing An Order

To place an order you may open an account with us, which requires some personal information. You can also sign in with your Google account.

You are not legally obliged to give us personal information, and you confirm that you do so of your own free will. You confirm that everything you tell us, including at registration, is true, accurate and up to date at all times.

When you create an account we may give you, or ask you to set, a password or other means of access. You are responsible for keeping your account details confidential, for restricting access to your device, and for everything that happens under your account or password. If you are under 18, you may use the Site only with the involvement of a parent or guardian.

We may refuse service, close accounts, remove or edit content, or cancel orders at our discretion. If we suspect fraudulent activity on your account, we may block your access to it and delete it.

6. Acceptance Of Your Order

Completing checkout is your offer to buy. It is not our acceptance of that offer. We will email you as soon as we can to confirm that we have received your order and are processing it (the "Confirmation Notice").

Loose diamonds ship within 1-4 business days of payment, though some stones may take up to 14 days. Engagement rings and other made-to-order jewelry are handmade for you and ship in 1-3 weeks, depending on the production schedule for that piece. Delivery times after dispatch are set out in our Shipping Policy.

Before we dispatch your order, we may decline it at our discretion and for any reason — for example, for legal or regulatory reasons, because a diamond has already sold, or because of stock or production capacity. To the maximum extent the law allows, we have no liability to you if we decline an order.

If we cannot supply what you ordered, we will not process the order. We will tell you by email and, if you have already paid, refund you in full as soon as reasonably possible, and in any event no later than 14 days after we received your payment.

Because most of our loose diamonds are one-of-a-kind stones, a diamond may sell between the moment you add it to your cart and the moment you check out. If that happens, we will tell you and help you find a comparable stone, or refund you in full.

7. Product Descriptions And Certification

We make every reasonable effort to describe and photograph our products accurately, including carat, cut, color and clarity, and to show the correct grading certificate for each stone. However, the colors you see depend on your screen, so we cannot guarantee that your display of any color, texture or detail is accurate. We do not warrant that any product description or other content is accurate, complete, reliable, current or error-free.

Grading certificates are issued by independent laboratories, not by us. Where a certificate is shown, the grading in it is the laboratory's opinion.

While we work to price everything correctly, if an item is priced incorrectly we may refuse to sell it at that price. If we find the pricing error after payment has been taken, we may cancel the sale and refund the transaction in full. All items are subject to availability, and we will tell you as soon as we can if what you ordered is unavailable.

If a product we supply is not as described, your sole remedy is to return it unused, in line with our Return Policy.

8. Pricing, Promotions And Price Match

(a) Live pricing and the ~ mark. Prices on the Site are live. Where a price is shown with a tilde in front of it — for example ~$692 — the tilde means "about": the price is current but can change. A price shown without a tilde is fixed. Pages that show a tilde price also show the date the price was last checked.

(b) Why prices change. Lab grown diamonds are individually priced by cut, color, clarity, certificate and exact carat weight, and our inventory changes as stones sell and new ones arrive. A "from" price is the lowest price in that group at the time you view it, not a fixed price. Settings are priced on the metal they are made in, and gold and platinum are traded daily.

(c) When your price is locked. Prices on the Site may change at any time. Browsing, saving an item, and adding an item to your cart do not hold a price. Completing checkout is your offer to buy and does not by itself hold a price either. Your price is fixed when we send you the Confirmation Notice described in Section 6. A price change will not affect an order for which we have already sent you a Confirmation Notice.

(d) Saved items and your cart. Your wishlist and your cart show the current price of each item, not the price on the day you saved or added it. Where a price has changed since you saved an item, we will show you that it has changed. Because most of our loose diamonds are one of a kind, a stone you have saved may sell before you check out; if that happens we will tell you and help you find a comparable stone, as set out in Section 6.

(e) Promotions. Promotional codes and discounts are offered at our discretion. Unless the promotion says otherwise, a code may be used once per order, cannot be combined with another offer, cannot be applied to an order already placed, and has no cash value. We may withdraw or change a promotion at any time. We may cancel an order and refund it if we believe a code has been obtained or used in a way the promotion did not intend.

(f) Pricing errors. As set out in Section 7, if an item is priced incorrectly we may decline to sell it at that price, and if we find the error after payment has been taken we may cancel the sale and refund the transaction in full.

(g) Orders sent in more than one parcel. As set out in Section 9(b), if we fulfill your order in more than one parcel we will not bill you more in total than the amount shown when you placed the order, unless you have agreed to it.

(h) Price matching. Our Price Match Policy sets out when we will match a competitor's price on a certified loose diamond, and what it does not cover. Price matching applies to certified loose diamonds only. Where we approve a match, the matched price is held for 48 hours.

9. Payment Terms

(a) Payment processing. Payments on the Site are processed by our payment provider, Stripe. When you place an order you acknowledge and agree that your payment transaction is processed by that provider and not by us, and that we do not store your full card details on our own systems.

(b) Billing. Charges on your statement will carry our descriptor, or the descriptor our payment provider uses. If we fulfill an order in more than one parcel, we will not bill you more in total than the amount shown when you placed the order, unless you have agreed to it. If a technical error processes a transaction at a rate that is clearly wrong, that transaction is void.

(c) Prices, taxes and duties. Prices are shown on the Site. Sales tax is applied where it is due. For international orders, any customs duty, import tax, VAT or surcharge is set by the destination country at the discretion of customs, differs from country to country, and is the customer's responsibility.

(d) Accepted payment methods. You may pay by all major credit and debit cards. Klarna and Affirm are available on eligible orders, and because they settle in the shopper's own market they require a United States billing address and pricing in US dollars. The payment methods available to you therefore depend on where you are. We may change the payment methods we accept at any time, but this will not affect an order for which we have already sent you a Confirmation Notice.

If you place an order, you acknowledge and agree that: (i) we will charge the payment method you chose for your order and any other amounts properly due on it; (ii) you will give valid and current information for yourself and, if you are ordering for someone else, only with their express consent; (iii) we may use the tools, software or services of payment processors to handle transactions for us; and (iv) if your card issuer does not pay us for any reason, you will pay the amounts due promptly when we ask.

10. Delivery

We may choose the carrier at our discretion. Delivery charges and timescales depend on what you ordered, the service you chose, and the delivery address. Our Shipping Policy has the detail.

Some products and services may carry different delivery charges, restrictions or timescales. If delivery cannot be made because you were not there at the time the carrier allotted, or because you refused the parcel, we may deduct the cost of returning the goods to us from your refund.

All risk in the products you order, including the risk of loss or damage, passes to you when they are delivered to the address in your order.

Where supply is delayed or prevented for reasons beyond our control — for example material shortages, import delays, or demand higher than we expected — we will do our best to keep you informed but, to the maximum extent the law allows, we are not liable for the delay or failure. This does not affect any statutory right you have to cancel an order when a product is delayed or not supplied.

11. Returns, Free Resize And Warranty

You may have cancellation and return rights under the law where you live. Nothing in these Terms affects those statutory rights.

In addition to your statutory rights, we offer the following:

  • 30-day returns. Eligible products may be returned within 30 days of delivery, subject to our Return Policy. Some products are excluded, including custom-made and engraved items. See the Return Policy for the full detail.

  • Free ring resize. We offer one complimentary resize on eligible rings within 30 days of delivery. Some designs cannot be resized, or can be resized only within a limited range, because of the setting style or the stones in the band. Certain wedding bands are not eligible.

  • 30-day limited warranty. We cover manufacturing defects, including loose prongs, polishing and rhodium plating. The warranty does not cover normal wear and tear, accidental damage, misuse, or repairs carried out by anyone else. It applies to the original purchaser and is not transferable. Our sole obligation under it is to repair or, at our option, replace the affected item.

For eligibility, exclusions and how to start a return, resize or warranty claim, see our Return Policy or email support@caratandclay.com with your order number.

12. Your Right To Cancel And Refunds

You may have cancellation rights under the law where you live. Nothing in these Terms affects those rights. How to start a return, what is eligible, and how refunds are paid are set out in our Return Policy.

13. Damaged Or Incorrectly Supplied Products

Please check everything you receive against your order. If what arrives is damaged or incorrect, note the damage or error on the delivery paperwork or, if you could not inspect the item on receipt, tell us by emailing support@caratandclay.com within a reasonable time. You must return the products to us as soon as possible after telling us.

14. Custom And Made-To-Order Items

Custom rings, bespoke designs, engraved pieces and resized rings are made for you individually. Once production has started we may not be able to change or cancel the order, and these items cannot be returned unless they arrive damaged or defective, as set out in our Return Policy.

Any design brief, reference image, measurement or engraving text you give us must be accurate, and must not infringe anyone else's rights. We are not responsible for a piece made correctly to a brief that turned out to be wrong.

15. Ownership Of User Submissions

You confirm that you own, or have the rights and permissions to use, all intellectual property in anything you submit to us — including design briefs, reference images, photos and review content ("User Submissions") — and that you may authorize us to use them as these Terms and the Site contemplate. You keep ownership of your User Submissions.

16. Other Sites

The Site contains links to websites we do not run. We try to link only to sites that are in good taste and safe for our visitors, but we are not responsible for the content or accuracy of any website other than our own, and we cannot guarantee that such sites will not change without our knowledge. A link is not an endorsement. If you follow a link to another site, you do so at your own risk.

17. Disclaimer Of Warranties And Limitation Of Liability

Nothing in these Terms limits or excludes our liability for anything that cannot be limited or excluded by law, and nothing in these Terms affects your statutory rights.

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, THE MATERIALS AND INFORMATION WE PROVIDE ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS INCLUDED ON IT. YOU AGREE THAT YOUR ACCESS TO AND USE OF THE SITE IS AT YOUR OWN RISK. WE ARE NOT IN THE BUSINESS OF PROVIDING LEGAL, FINANCIAL, ACCOUNTING, TAX OR RELATED ADVICE, AND WE DISCLAIM RESPONSIBILITY FOR YOUR RELIANCE ON ANY ESTIMATE OF TAX OR DUTY SHOWN ON THE SITE AND ON ANYTHING RELATED TO IT. WE, OUR AFFILIATES AND OUR SUPPLIERS DO NOT GUARANTEE OR REPRESENT THAT YOUR USE OF ANY SUCH ESTIMATE WILL SATISFY OR ENSURE COMPLIANCE WITH ANY LEGAL OBLIGATION, LAW OR REGULATION. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SITE, ITS SERVERS, OR EMAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM USE OF THIS SITE, INCLUDING INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES.

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, WE EXCLUDE ALL REPRESENTATIONS, WARRANTIES, CONDITIONS AND TERMS, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW OR OTHERWISE, TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET POSSESSION, NON-INFRINGEMENT, TITLE, OR QUALITY OF SERVICE, OR THAT ARISE FROM A COURSE OF PERFORMANCE OR DEALING OR FROM USAGE OF TRADE, ALL OF WHICH ARE DISCLAIMED BY US AND BY OUR LICENSORS AND SUPPLIERS.

YOU MUST FOLLOW ANY CARE ADVICE OR INSTRUCTIONS WE GIVE YOU TO KEEP THE PRODUCTS WE SUPPLY SAFE, INCLUDING ANY INSTRUCTIONS OR PRODUCT MANUALS SUPPLIED WITH THE PRODUCTS. WE CANNOT ACCEPT LIABILITY FOR DAMAGE TO PRODUCTS WE SUPPLIED THAT IS CAUSED BY YOUR FAILURE TO FOLLOW THAT ADVICE.

IN ANY EVENT, WE WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, OR FOR LOSSES RELATED TO ANY BUSINESS OF YOURS, INCLUDING LOST DATA, LOST PROFITS, LOST REVENUE OR BUSINESS INTERRUPTION. OUR TOTAL LIABILITY UNDER OR IN CONNECTION WITH THESE TERMS WILL NOT EXCEED THE AMOUNT YOU ACTUALLY PAID US UNDER THE ORDER THAT GAVE RISE TO THE LIABILITY.

THESE EXCLUSIONS AND LIMITS APPLY EVEN IF WE HAVE BEEN ADVISED, OR SHOULD HAVE BEEN AWARE, OF THE POSSIBILITY OF THE LOSS, DAMAGE OR COST, EVEN IF A REMEDY IN THESE TERMS FAILS OF ITS ESSENTIAL PURPOSE, AND WHATEVER THE THEORY OF LIABILITY, INCLUDING FUNDAMENTAL BREACH, NEGLIGENCE, MISREPRESENTATION, STRICT LIABILITY, CONTRACT OR TORT.

This disclaimer applies to any damage or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, act of God, communication line failure, theft, destruction, or unauthorised access to, alteration of, or use of records, whether the claim is for breach of contract, in tort, in negligence, or on any other basis. You also acknowledge that we are not liable for defamatory, offensive, infringing or illegal material or conduct, whether yours or a third party's.

The law where you live may not allow some of the limits on warranties or damages set out above. If so, some or all of them may not apply to you, and you may have additional rights.

18. Applicable Law; General

To the maximum extent permitted by law, you agree that the law of New York State, without regard to principles of conflict of laws, governs these Terms and any dispute that may arise between you and us.

If a court of competent jurisdiction finds any provision of these Terms unenforceable in any respect, that provision will be treated as limited to the extent the court finds enforceable, and will otherwise remain in force. If the court finds a provision wholly unenforceable, the rest of these Terms remain in full force and effect.

These Terms, together with the Privacy Policy, are the entire agreement between you and us about your access to and use of the Site.

Our rights and remedies under these Terms do not replace any right or remedy available to us at law, in equity, by statute or otherwise; they are additional to them. If we delay or relax enforcement of a right or remedy, that is not a waiver of it, and it does not affect our ability to enforce it later. Any waiver must be agreed by us in writing.

19. Dispute Resolution

Binding arbitration; class action waiver. PLEASE READ THIS SECTION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS.

You and we agree that any dispute, claim or controversy arising out of or relating to these Terms, your use of the Site, or any product or service bought through the Site will be resolved exclusively through final and binding arbitration, rather than in court, except that either party may bring an individual claim in small claims court. The arbitration will be administered by [JAMS / AAA — to be selected by counsel] under its applicable rules then in effect. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING. Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of representative or class proceeding.

Carve-outs. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect its intellectual property rights. Any claim not subject to arbitration will be brought in the courts of New York State.

How to opt out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing support@caratandclay.com with the subject line "Arbitration Opt-Out", including your name and your order or account information. Opting out does not affect any other part of these Terms.

If this arbitration agreement is found unenforceable in whole or in part, the remainder of these Terms, and the applicable law provisions above, still apply.

20. Assignment

You may not assign or sub-contract your rights or obligations under these Terms to anyone else unless we agree in writing. We may assign, transfer, delegate or sub-contract our rights or obligations under these Terms to a third party at our discretion, without restriction and without your consent. To the maximum extent permitted by law, no third party is entitled to enforce these Terms.

21. Modification

We may change, add to or remove parts of these Terms at any time, at our discretion. Please check this page from time to time. Each time you visit the Site, your visit and your use of it are subject to the version of these Terms then in force.

22. SMS Terms Of Service

These terms apply to our text message program. They sit alongside the SMS section of our Privacy Policy.

  • Joining. You join by entering your mobile number in a sign-up form, pop-up or checkout field and taking an affirmative opt-in action. Consent to marketing texts is not a condition of any purchase.

  • What we send. Order and delivery updates, cart reminders, offers, and product news. Message frequency varies.

  • Cost. Message and data rates may apply, charged by your mobile carrier. We do not charge for the messages themselves.

  • Opting out. Reply STOP to any message to unsubscribe. You will get one confirmation message and then no further marketing texts. You can rejoin at any time by opting in again.

  • Help. Reply HELP to any message, or email support@caratandclay.com.

  • Carriers. Mobile carriers are not liable for delayed or undelivered messages. Delivery is not guaranteed, and coverage and support vary by carrier.

  • Your number. Tell us if your mobile number changes or is reassigned, so we do not message someone else at that number.

This SMS program is governed by these Terms and by our Privacy Policy. For how we use and share your information, please read the Privacy Policy.

23. Contact Us

If you have a question about these Terms, please email us at support@caratandclay.com.

Thank you for your interest in our diamonds. We hope your experience with us is a good one.