2% service charge per month after payment due date. 14-day return on all non-bullion coins, banknotes, and accessories. No refunds allowed on any jewellery items, 30-day exchange items (except watches). Watches and bullion items are not refundable or exchangeable. Layways: 20% restocking fee will applied for cancellation.

Credit or Debit Cards payment methods can not be used to Sell products to J&M. Please use other payment methods available during checkout.