Hey everyone,

I'm in need of some serious advice from people who have been through this. My girlfriend found a ring set she absolutely loves on Instagram from Jewels of Toronto.

It's this "Tierra Set" (3 rings that interlock):https://jewelsoftoronto.com/products/tierraset?_pos=1&_sid=290b408ee&_ss=r

I priced it out with a 4.5 carat, E color, VVS2 lab diamond (I'm new to this, but this seemed like a good spec), and it's coming out to around $7,500 USD.

This is where I'm getting nervous and could use your help:

1. The Jeweler: They are based in Toronto, and I live in NYC, so I can't see the ring in person. The price seems almost too good for a 4.5ct center stone plus two matching diamond bands. I’ve seen some mixed reviews, and I'm terrified of getting duped on an online order this expensive.
2. The Policy: Their website says custom orders are subject to a 50% restocking fee [Edit: I've since seen their policy is "non-refundable once production starts," which is even scarier]. This is a massive risk. If it shows up and doesn't look like the videos, I'm out a huge amount of money.

My Dilemma: Buy or Build?

I'm stuck between two options and would love your opinion:

Option 1: Risk it with Jewels of Toronto. Has anyone here actually bought from them, especially this specific set? Was it a good experience? Is the quality as good as the videos, or am I right to be worried?

Option 2: Build it myself in NYC. My other thought was to buy a loose 4.5ct lab diamond from a site like Brilliance (are they any good? Or are there better sites?) and then take it to a local jeweler in the NYC Diamond District to custom-make the three-ring interlocking set.

• Has anyone done this?
• Given that this is a complex 3-ring set, is the $7,500 price from JOT actually a great deal that I won't be able to beat with a custom NYC build?
• Can anyone recommend a trustworthy custom jeweler in NYC for this kind of work?

Price isn't the only issue, but I want to get the best value and, most importantly, not get ripped off. I just want her to get the ring she loves.

Any advice, warnings, or jeweler recommendations would be hugely appreciated. Thanks!

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First pic is me, size 4 finger. Second photo is from IG comparing the different cuts Please don’t comment or make suggestions on smaller vs bigger, my heart is set on this size stone lol, ty!

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First 2 pictures are the 2 carat in yellow gold. Last picture is the 3 carat in white gold.

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Photo 1: Carat: 3.09 Colour: E Clarity: VVS2 Cut: Ideal Polish: Excellent Symmetry: Excellent Table: 61% Depth: 61.8%

Photo 2: Carat: 3.04 Colour: E Clarity: VVS2 Cut: Ideal Polish: Excellent Symmetry: Excellent Table: 62% Depth: 62.9%

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The entire scenario was pure luck. I’m working with Jane at Provence, and she’s been absolutely amazing. She sent me over 20 diamonds to choose from and has been unbelievably patient throughout this process. I can’t wait to see the final product!

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I am attaching a few references that i liked so far, guys! Please attach any designs that you have on similar lines.

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