I. Scope of Application

This refund policy applies to pearl jewelry products purchased through this platform (including but not limited to pearl necklaces, pearl earrings, pearl bracelets, pearl rings, pearl-inlaid jewelry, etc., excluding products specifically marked as not applicable to this policy). Supported payment methods include Klarna installment payment, Afterpay buy-now-pay-later, as well as seven major credit cards (Visa, American Express, Mastercard, JCB, UnionPay, Discover, Diners Club), Apple Pay, Google Pay, Shopify Pay, etc. For consumers in the EU, this policy also complies with relevant EU consumer rights regulations.

II. Refund Conditions

Product Quality Issues

If consumers find quality problems with pearl jewelry after receipt (including but not limited to pearls falling off/loosening, obvious cracks in pearls (non-human damage), craftsmanship defects (such as insecure inlay, broken welding points), serious discrepancy with descriptions, etc.), they can apply for a refund within 30 days of receiving the product. Consumers need to provide clear photos or videos of the quality issues as relevant evidence.

Wrong Delivery

If the delivered pearl jewelry does not match the consumer's order due to platform reasons (including style, size, pearl quality, quantity, etc.), consumers can apply for a refund within 30 days of receipt without bearing any costs. Consumers need to provide photos of the received product and order information as evidence.

Consumer's Unconditional Return

For pearl jewelry that meets the conditions for unconditional return (details as marked on the product page), consumers can apply for an unconditional refund within 30 days of receipt, but must ensure the product is intact, unused/unworn, with no wear on pearls, complete packaging and accessories (such as quality inspection certificates, labels, jewelry boxes), and does not affect secondary sales. Consumers shall bear the freight for returning the product.

Unprovided or Non-compliant Services

If purchased customized services for pearl jewelry (such as engraving, personalized style adjustment, etc.) are not provided as scheduled, or the provided services seriously do not match the agreed content, consumers can apply for a refund within 30 days after the agreed end time of the service. Consumers need to provide relevant evidence that the service was not provided as agreed.

Cooling-off Period for EU Consumers

In accordance with the EU Consumer Rights Directive, consumers in the EU enjoy a 14-day cooling-off period after purchasing pearl jewelry on this platform. The cooling-off period starts from the date the consumer receives the product. During this period, consumers can apply for a refund without reason, no need to explain, and no need to bear the freight for returning the product (except for special products, details as marked on the product page). The cooling-off period does not conflict with the 30-day unconditional return period in this policy; EU consumers can choose the more favorable period for themselves.

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III. Refund Processes for Different Payment Methods

(I) Klarna Installment Payment

Consumers need to submit a refund application through platform customer service or the refund application portal within the eligible period, indicating that it is a Klarna installment order and providing relevant order information.

The platform will complete the review within 5 working days of receiving the application. After approval:

• For the repaid portion, it will be refunded to the consumer's original payment account within 3-7 working days;
• For the unpaid portion, the platform will communicate with Klarna to cancel the installment, and the consumer no longer needs to repay the unpaid amount.

If fees are incurred during the installment period, whether the incurred fees are refunded depends on the installment agreement and the reason for the refund: for refunds due to platform reasons, fees are fully refunded; for unconditional refunds due to consumer reasons, fees are not refunded.

(II) Afterpay Buy-now-pay-later

Consumers need to submit a refund application through platform customer service or the refund application portal within the eligible period, indicating that it is an Afterpay payment order and providing relevant order information.

The platform will complete the review within 5 working days of receiving the application. After approval:

• For the paid amount, it will be refunded to the consumer's Afterpay-linked payment account within 4-8 working days;
• For the unpaid amount, the platform will coordinate with Afterpay to cancel the repayment obligation, and the consumer no longer needs to repay.

For refunds due to platform reasons, incurred service fees are fully refunded; for unconditional refunds due to consumer reasons, incurred service fees are not refunded.

(III) Seven Major Credit Cards

Consumers need to submit a refund application within the eligible period and provide relevant certificates and credit card payment information.

The platform will complete the review within 3 working days of receiving the application. After approval:

• For non-installment orders, the full refund amount will be returned to the original payment credit card within 3-5 working days;
• For orders with credit cards bound to Klarna or Afterpay installments, they will be processed according to the refund processes of the corresponding payment methods mentioned above.

(IV) Apple Pay

Consumers submit a refund application through the platform within the eligible period and provide relevant information such as screenshots of Apple Pay transaction records. The platform will complete the review within 4 working days of receiving the application. After approval, the refund amount will be returned to the bank card bound to the consumer's Apple Pay account or Apple Wallet balance within 5-10 working days (subject to Apple Pay rules).

(V) Google Pay

Consumers submit a refund application to the platform within the eligible period and provide relevant information such as Google Pay transaction ID. The platform will complete the review within 4 working days of receiving the application. After approval, the refund amount will be returned to the payment method associated with the consumer's Google Pay account (such as a bank card) within 3-7 working days.

(VI) Shopify Pay

Consumers initiate a refund application through the platform within the eligible period and provide Shopify Pay payment certificates. The platform will complete the review within 3 working days of receiving the application. After approval, the refund amount will be returned to the consumer's Shopify Pay account or original payment card within 2-5 working days.

IV. Refund Timeliness

Platform Review Timeliness

From the date of receiving the consumer's complete refund application and relevant certificates, the review time is generally 3-5 working days (may be extended in special cases, but no longer than 7 working days).

Refund Arrival Timeliness

The refund arrival time varies by payment method, as follows:

• Repaid portion of Klarna installment: 3-7 working days;
• Paid amount of Afterpay buy-now-pay-later: 4-8 working days;
• Seven major credit cards: 3-5 working days;
• Apple Pay: 5-10 working days;
• Google Pay: 3-7 working days;
• Shopify Pay: 2-5 working days.

The above arrival timeliness is for reference only; the actual arrival time may be affected by the processing time of banks or payment institutions.

V. Handling of Special Cases

Used Products or Affecting Secondary Sales

If the pearl jewelry for which a refund is applied has been worn/used, with worn pearls, damaged packaging, or missing accessories, affecting secondary sales, the platform will not provide a refund; if the product has quality issues but has been used, the platform will refund a partial amount based on the degree of damage.

Refund Issues Due to Force Majeure

If refunds cannot be processed normally due to force majeure (such as natural disasters, wars, payment system failures, etc.), the platform will start processing within 3 working days after the force majeure is eliminated and notify consumers in a timely manner.

Exceeding the Refund Application Period

Refund applications that exceed the time limit specified in the above refund conditions will not be accepted, unless consumers can provide sufficient evidence of special circumstances preventing timely application, which is confirmed by the platform after review.

VI. Rights and Obligations of Both Parties

Consumer Rights and Obligations

• Have the right to apply for a refund under the conditions specified in this policy;
• Shall timely provide true, valid refund application materials and relevant certificates (such as photos of problematic parts of pearls, order information, etc.) as required by this policy;
• Shall cooperate with the platform's refund review; if the platform needs further information, consumers shall respond in a timely manner;
• For unconditional returns from non-EU regions, shall bear the freight for returning the product and ensure the product is intact.

Platform Rights and Obligations

• Have the right to review consumers' refund applications and reject ineligible applications with reasons;
• Shall process consumers' refund applications within the specified time limit, and complete review and refund operations in a timely manner;
• Shall properly store consumers' refund application information and relevant certificates to protect consumer privacy;
• If refunds are delayed or incorrect due to platform reasons, shall correct them in a timely manner and bear corresponding responsibilities;
• For eligible refund applications from EU consumers within the 14-day cooling-off period, shall waive the return freight as specified.

VII. Disclaimer

• The platform shall not be liable for failed or delayed refunds due to consumers' own reasons (such as incorrect payment account information, bank card reporting loss or freezing, etc.); consumers shall bear relevant consequences.
• If refund processing is delayed or problematic due to system failures or policy adjustments of banks or payment institutions, the platform will actively assist consumers in communicating with relevant institutions but shall not bear direct liability.
• This refund policy does not apply to pearl jewelry purchased by consumers through channels not authorized by the platform.