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AFW Store Policies

Everything You Need to Know, And If We Missed Something Just Ask!

Sales Tax   

Only Arizona residents pay sales tax!   Purchasers from all 49 other US states pay no sales tax, no matter what you buy, as long as it's shipping to any state but Arizona.

Shipping Cost 

FREE Shipping on all USA purchases, everything on our website, always!  That's right, you never pay shipping costs on our site unless you need expedited shipping or request special services.   Anything that ships on our normal schedule, no matter how little or how much it costs, ships FREE within the 50 US states.  We are happy to ship outside the USA and we can provide precise shipping costs to international buyers on request.


We offer the easiest, most cost-effective layaway anywhere.  There are no fees, no interest charges, no initiation costs, no fees of any kind.   If you buy something for $100 on layaway, your total cost is $100, no exceptions.   And the best part is that our layaway is an "honor system" layaway - we don't set payment dates, we don't send reminders, we don't care if your payment one month is higher/lower than the previous month.  We allow our customers to run their own layaway.  All we ask is that you make a reasonable payment each month and let us know if you need to skip a month for any reason.  We understand - that's life, things pop up out of the blue.   If we do not hear from you and a payment has been skipped, we will touch base to make sure you are still alive, but otherwise our layaway plan is stress-free.   We're all adults here - if you trust us enough to send us money, we'll trust you enough run your own layaway.  However, any layaway that goes into arrears for 2 months (no payments received for 60 consecutive calendar days, without explanatory contact from the buyer) will be considered abandoned, all payments received to date are forfeit, and we reserve the right to sell that item to another customer. 


Bellarri Jewelry Returns 

Returns on Non-Layaway Purchases of NEW Bellarri Gemstone Jewelry:  Because our business model is different from most brick & mortar retailers - we're selling our Bellarri at wholesale prices instead of full retail - our return policy is more restrictive than that of sellers charging full retail.   All purchases can be returned within 7 calendar days of receipt and will incur a re-stock fee of the greater of $50 or 10%, UNLESS the item is returned for store credit or exchange towards another item of equal or similar value in which case there is no restock fee. 

Returns on Non-Layaway Purchases of Pre-Owned Bellarri Gemstone Jewelry:  All pre-owned Bellarri jewelry can be returned within 14 days of receipt with no restock fee, buyer is only responsible for return shipping costs.

Designer (Non-Bellarri) Jewelry Returns

Returns on Non-Layaway Designer Jewelry, Both New and Pre-Owned:  All non-Bellarri designer jewelry, both new and pre-owned, can be returned within 14 days of receipt with no restock fee, buyer is only responsible for return shipping costs.

Michele Returns


Returns on Non-Layaway Purchases of Michele Watches (UPDATED 9/1/23):   Michele watch buyers have a full 2 weeks to examine and consider all Michele watches.  If you are unsatisfied, you may return these items for a full 100% refund, with no re-stock fee, within 14 days of receipt.  Buyers are responsible for return shipping, and we ask that the tags on these items not be removed until you are certain you are keeping the item(s).   If you have any questions, call or write!

Returns on Michele Watch Bands (UPDATED 9/1/23):   All watch band sales are final.   There are no returns on Michele watch bands, unless you purchased the wrong size and need to exchange for a band with a different lug size.  Bands returned with signs of wear, staining, creasing, etc. will not be refunded.

Campomaggi & Caterina Lucchi Leather Returns

Returns on Non-Layaway Purchases of Campomaggi and Caterina Lucchi Leather Accessories (UPDATED 9/8/23):   All Campomaggi and Caterina Lucchi purchases can be returned for a full 100% refund with no restock fee, as long as the tags have not been removed from the bag.  Return must be initiated within 14 days of receipt, and buyer is responsible for return shipping.

Layaways Returns

Returns on Layaway Purchases (ALL products):  There are no returns on layaways.  Once a layaway is initiated on any product, and deposit paid, that layaway becomes non-reversible.   Our layaway is the most lenient and generous you'll find - we charge no interest, no fees, no expenses, and we don't set pre-determined payment deadlines.  It's an "honor system" in the purest sense of the term.  In exchange for such a generous layaway policy, we ask that customers understand that once a layaway is initiated, it is non-reversible.   If you run into personal circumstances that require that you take a month off from making a payment, it's no problem, just let us know and we're happy to make arrangements and provide some flexibility.

Ring Sizing

Because we are an authorized Bellarri retailer our customers have access to full Bellarri sizing services.  Additionally, unlike many of our competitors, we do not use sizing service as a profit center - we only charge what Bellarri charges us.  You never pay any more for sizing than it has cost us for the service.   Most sizings between 7 and 9.5 will cost between $50-75 depending on the complexity of the setting and amount of adjustment required.  Sizings below 5 and above 10 may cost $100-125.  Just let us know what you need. 


Please note that once a ring has been sized, whether a layaway or non-layaway purchase, that sale is FINAL.  There are no refunds, cancellations or exchanges once a ring has been sized. 

Bellarri Jewelry Repair Services

As an authorized Bellarri retailer we can offer customers access to all of Bellarri's repair and refurbishing services.   Things happen, whether you accidentally drop a ring and crack a stone, or bang a bracelet against a desk and damage a setting, that's life and we're happy to help you get through it.   And as above with ring sizings, we do not use repairs as a profit center - we only charge customers what it costs for the repair itself, plus the shipping cost to return the item to the customer.   You'll never pay more for a repair than the actual material and labor costs Bellarri charges us.   

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