Our Guarantees


15-Day Money Back Guarantee

Our 15-day return policy allows you time to consider your purchase. If for any reason you are not satisfied you can return any item without engraving, in its original condition, within 15 days of the date of shipment for a full refund. We want you to be confident you are receiving the best merchandise at the best price.

Lifetime Diamond Upgrade

We offer a lifetime upgrade for a diamond you buy from us. If you decide to trade in, we’ll give you the full amount of your original purchase towards the purchase of a new diamond of greater value.

Our Promise to You Since 1896

Every purchase at Richter & Phillips includes the following at no additional cost:

  • Ring sizing 1
  • Rhodium finish 2
  • Retip prongs
  • Tighten stones
  • Appraisal with purchase
  • Cleaning / Steaming / Inspection
  • Lifetime diamond upgrade
  • All risk engagement ring insurance 3
  • Interest free financing to qualified buyers 4
  • Engraving inside wedding bands
  • Layaway, up to 12 months, with 20% down
  • Trade in your gold, diamonds and jewelry toward purchase
  • Consultation, disposition of jewelry, watches and fine jewelry

1 Ring sizing up or down 1 size to original purchaser
2 Rhodium finish free one time per year
3 Richter & Phillips will pay the premium to insure your purchase for the first 12 months. This policy covers any damage or loss of your diamond as well as theft or loss of the entire ring, up to $10,000.
4 Up to 60 months

Financing Options

Richter & Phillips offers no interest financing through Wells Fargo Financial. The Wells Fargo Jewelry Advantage credit card is issued by Wells Fargo Financial National Bank. Apply online here or ask your sales associate for details. We also offer one-year, interest-free layaway. Price Protection Guarantee If within 90 days of your purchase you find a diamond with the same specifications and is graded by the same gemological laboratory at a lower price anywhere in the United States, Richter & Phillips will match it and give you 10% of the difference.

Trade-In Option

Richter & Phillips welcomes the trade-in of your gold, diamonds, or jewelry (even if not purchased here). The value can be applied to any new purchase.