I’m happy to provide a lay-by system for my lovely clients! To make a lay-by purchase, simply add your chosen pieces to your Silver Forge shopping cart, and use coupon code LAYBY as you proceed through the checkout. Your initial deposit of 10% will be due at this time ~ for further information see the terms and conditions below.

Lay-By Terms and Conditions

Deposit and Installments:

An initial deposit of 10% of the total order price is required at the time of your order.

Installments are to be made monthly, and your final residual payment is to be received within 180 days of the date of your original order. This means that each monthly payment will be 15% of the original purchase price. If unforeseen circumstances arise, please email me and I will see if it is possible to provide alternative arrangements for you.

Your lay-by deposit and payments may be made via PayPal. I will email you a PayPal invoice for your installments monthly; or if you would like to use credit card or direct deposit for your payments, please contact me for details.

Custom Orders:

If you would like me to create you a custom made piece, you can place a custom order on lay-by. Please contact me to discuss your requirements. Custom orders can be paid as a normal lay-by, but will require 50% of the total price to be received before I commence work on your piece. All other lay-by terms and conditions apply.

Cancellation and Refunds:

If due to unforeseen circumstances you are unable to make your monthly installment payment please contact me, and I will see if it is possible to arrange another mutually agreed payment frequency. If you do not make your monthly installment payment for three consecutive months, and I do not hear from you, I reserve the right to cancel your lay-by. There will be a cancellation fee of 10% of the total order price, plus an on-charge of any special items that I have ordered for you (i.e. if I have sourced you a particular cabochon or a component specific to your order). After these deductions, if applicable, the remaining balance of your lay-by account will be refunded to you.

I reserve the right to cancel your lay-by if due to circumstances outside of my control the product is no longer available – if this is the case, no cancellation fee will be charged.

The lay-by may be cancelled by you at any time before it is finalised. There will be a cancellation fee of 10% of the total order price, plus an on-charge of any special items that I have ordered for you (i.e. if I have sourced you a particular cabochon or a component specific to your order). After these deductions, if applicable, the remaining balance of your lay-by account will be refunded to you.

If the lay-by has been finalised and your goods have been dispatched and you wish to return the items, please refer to my returns policy.

Refunds are available within the 180 day lay-by period – please let me know via email if you need to cancel for any reason. There will be a cancellation fee of 10% of the total order price, plus an on-charge of any special items that I have ordered for you (i.e. if I have sourced you a particular cabochon or a component specific to your order). After these deductions, if applicable the remaining balance of your lay-by account will be refunded to you.

Shipment and Freight:

Once your order has been paid in full, it will be shipped to you usually within one to two working days. If it is to be longer, i.e. if you have placed a custom order, I will contact with you with details. If you need the product by a special date, please let me know when you begin your lay-by so I can confirm that this is possible. Please note that mail delivery times are dependent on mail services and are outside of my control.

It is your responsibility to keep me informed of your current postal address. If your address or details change after commencing your lay-by please advise me. If after the final payment your items are shipped to an incorrect address because you have failed to notify me of your change of details, all shipping return or replacement costs incurred will be your responsibility.

Please see my Policies Page for further terms and conditions.

I reserve the right to amend this policy at any time.

Enjoy your shopping!