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.

J&M charges 3% extra if CAD credit card and 5% extra if USD credit card are used for bullion purchases. This additional charge will be added to your order during processing and you’ll receive updated order confirmation.