I have spent a ton of money on this site and have only sent 2 items back. No problem getting my money refunded. I'm NO expert when it comes to buying jewelry but I know you shouldn't buy diamonds unless you are there to see them & that doesn't always work. My husband bought me a pair of diamond earrings for Christmas from a VERY well known store in the mall. I was so disappointed- 1 of them was almost black. No loop needed. The other one was wearable. But what was i going to do w 1 earrings? They went back. He had paid quite a lot for them.