Terms and Conditions


Luma Diamond Consultants offer several payment options for our clients. Among those are wire transfer, personal check, Paypal(Credit or Check), certified check or money order, as well as all major credit cards.


We accept Visa, MasterCard, American Express, and Discover. Credit card orders can be placed online using our secure server or over the phone with our customer service department. In general, credit card orders will only be shipped to an address on file with the credit card company. However, we will consider shipping to an alternate address as long as our Credit Card Processing security procedures are met. For security purposes, Luma Diamond Consultants may request additional documentation (such as drivers license, photocopy of credit card, etc) on some transactions.


Many customers purchasing items valued over $5,000 prefer paying by wire transfer. Wire transfer orders receive a 1.5% discount from our finalized prices accepted by our clients. Clients paying by wire will receive wiring instructions once they have indicated to a Luma Diamond Client Associate of their intentions to pay by wire transfer. We must receive confirmation from our bank that a wire transfer has been completed before items can be shipped. At the sole discretion of Luma Diamond Consultants and our banking partners, we may require bank wire payment for any international order or orders in excess of $10,000.


When paying by personal check, certified check or money order, Luma Diamond Consultants reserves the right to deposit and hold each payment for up to ten business days. All check payments that are not received within one week of when the order was placed will be cancelled. Each personal check and/or certified check must be drawn from a US bank account. Personal checks must also have the customer’s name and address imprinted on the front of the check.


Luma Diamonds offers various flexible Payment/financing options – Our standard Custom Creation Process is outlined below:

**All Custom Projects require processing through our Installment Plan(3 Payment) Payment Plan**

After Client has completed the in-depth Consultation with a Luma Diamond Client Associate where an established Project Estimate Total will be submitted to Client for Approval. Once approved by the client – a secure online Payment Invoice for Payment will be emailed to client. Payment Details below:

  1. Payment ONE (Deposit)- 1/3 of total Project Cost- Executes the project officially, and Initiates the team at Luma Diamond Consultants to commence CUSTOM CREATION and DIAMOND SEARCH. (NO REFUNDS AFTER 10 BUSINESS DAYS)
  2. Payment TWO (2 of 3) – 1/3 of total Project Cost- Payment 2 is secured from client after client makes the decision on the diamond options submitted to them for review by our Luma Diamond Client Associates. Diamond Options are provided virtually or in person at available Luma Diamond Consultant satellite locations outside of HQ location in Delaware.
  3. Payment THREE (3 of 3) 1/3 of Total Project Cost- Payment 3 is secured at time of delivery for in person transaction, or 24 hours prior via our online secure payment system for over night FEDEX or UPS INSURED delivery (Free for US Clients).

Please contact our customer service department at 1-866-746-5044 if you have any additional questions.


Thank you for visiting Luma Diamond Consultants. Luma Diamonds respects your privacy and we understand and share your concern about the privacy of your personal information. This notice describes our privacy policies. By visiting Lumadc.com and Lumadiamondconsultants.com, you are confirming your agreement to the privacy policies described in this Privacy Policy.


We collect and store any information that you may enter on any of our web sites or provide to us in some other way. For example, when you place an order and/or sign-up for email communications and updates, we collect and store personal information so that we may provide the products and services that you have ordered or requested. Such information may include your name, address, age, date of birth, gender, education level, email address, telephone and fax numbers, credit card information and information about your interests and activities. You can choose not to provide certain types of information, but that may result in you being unable to use certain features of our web site(s). We may also collect and store information about other people that you provide to us. For example, you may submit a person’s name and address if you wish us to ship a product as a gift to a friend.

We may also automatically collect and store certain types of non-personally identifiable information whenever you visit any of our web pages. For example, like most commercial shopping web sites, we use “cookies” and we obtain certain types of information whenever your web browser accesses any
Luma Diamond Consultants web site. Such information may include the type of web browser you are using, the operating system of your computer and the domain name of your internet service provider. Most browsers accept cookies automatically but allow you to disable them. We recommend that you leave cookies “turned on” so that we can offer you a better shopping experience. Utilities are available from third parties to help you visit web sites anonymously, but use of such utilities may also prevent us from providing you with the best shopping experience at


All personal information that we collect from our customers is used to improve our relevance to you and to improve your shopping experience with us. We use the information that you provide so that we may provide the products and services that you have ordered or requested. In addition, we may send you (via email or other means) offerings of products or services which we think may be of interest to you or we may ask you to participate in activities such as special surveys. At any time, you can choose to no longer receive any non-transactional emails from Luma Diamonds by accessing http//www.lumadc.com/remove and entering the email address to which the email was originally addressed. You may also unsubscribe from other campaigns that you have previously opted to receive by following the instructions on the bottom of the specific campaign.

Additionally, in order to improve your online experience at Luma Diamonds, we have implemented the following Google Analytics Advertising Features (remarketing, demographic and interest reporting, DoubleClick integration, and impression reporting).

Please note: personally-identifiable information will not be shared with Google Analytics.

You can opt-out whenever you want.

We will not share the personal information which you provide to us except (i) for the purposes that you provided it to us, (ii) with your prior consent, (iii) as may be required by law as we reasonably deem necessary to protect Luma Diamond Consultants or others from injury or loss, or (iv) with other persons or entities with whom we contract to provide services in connection with our web site(s) or other business activities. Notwithstanding, we may share the personal information we collect with our parent, affiliate and subsidiary companies, and business partners for the purposes described in this Privacy Policy including to communicate with you about products and services, offers, events and promotions that may be of interest to you. If we do share such personal information with a third party, we will, to the extent practical, require that the recipient protect that information in a manner consistent with this Privacy Policy. However, we cannot guarantee how such a third party will use personal information.

We sometimes use non-personally identifiable, summary or aggregate information that we collect to improve the design and content of our web sites(s) and to enable us to further enhance your shopping experience with James Allen. We may also share such aggregate information with third parties for that purpose.

The personal information which you provide to Luma Diamond Consultant is an asset of the company and may be included in the assets transferred to an acquirer if Luma Diamond Consultant is acquired by a third party. In the event of such a transfer, any personal information transferred shall remain subject to the terms and promises contained in this Privacy Policy.


In our continued security efforts- We believe that Luma Diamond Consultants has in place appropriate procedures to protect the security of personal information transmitted to us or by us. We have designed our web site(s) to encrypt such information during transmission using Secure software.


Our web sites(s) are not directed toward minors and Luma Diamond Consultant does not sell products for purchase by minors. We do not knowingly collect information from anyone under the age of eighteen.


If you visit any Luma Diamond Consultant Web Page, your visit and any dispute concerning privacy will be subject to this Privacy Notice and our Terms of Use. Our business continues to develop and evolve and this Privacy Notice and our Terms of Use will accordingly change from time to time. We may send you reminders of our privacy policies and terms from time to time, by email or otherwise, unless you have told us not to do so. However, you should check our web site(s) from time to time to inform yourself of any changes. The form of our Privacy Policy in effect from time to time will apply to all information that we have collected.

Terms and Conditions (REFUNDS and CUSTOM PROCESS)

Refund/Cancellation Policy:

Non-Custom Items:

Items must be return-shipped within 5 business days. Business days are Monday through Friday and do not include certain holidays. Items must be returned in original state. Client will forfeit 25% of any monies paid to Company to compensate Company for its time, service and any expenses. The balance of monies paid or owed to Company shall be returned to Client within 30 days after Company’s receipt of returned item.


The Term of any/all Agreements issued to clients from Luma Diamond Consultants commences on the date of Invoice and shall terminate upon completion of Services. Notwithstanding the foregoing, said Term shall not exceed fifteen (15) days from the original date the Agreement is fully executed.

Custom Items:

In the event Client wishes to make any changes after sample and product design have been approved by Client in writing, Client shall pay an additional fee to be negotiated in good faith by both parties. Changes and alterations include, without limitation, engraving, shortening of a chain or bracelet, and ring sizing that is more than three sizes up or down. There shall be no cancellations once said sample and product design have been approved by Client and Client shall forfeit any refund of monies or deposits already paid to Company. Notwithstanding the foregoing, Client shall not be obligated to pay the remaining balance unless final Product has been completed by Company and production cannot be stopped

Custom Items:

All work performed on behalf of Client is executed on a custom order basis. Due to the high level of personal customization involved in the process, Clients must approve in writing all designs, gemstone selection, and specific model numbers (where appropriate) associated with purchase. Accordingly, there are no refunds on custom orders or alterations. Further, these custom orders are not returnable. Company ensures that all work is to the exact specifications detailed by Client written approval.




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