Welcome to Oro China’s Cash Installment Plan

Pay for your golden pieces in easy installments with Oro China Cash Installment.

Please Note: Terms and conditions for Cash Installment or Layaway may differ between our physical stores and online. 

Time Duration:

1. Monthly Terms: Regular pieces

Amount of Purchase	Monthly Terms
₱5,000.00 – 15,999.00	3
₱16,000.00 – 50,999.00	5
₱51,000.00 and up	6

• • Promotional items,  such as those under The Great Jewelry Sale, 11.11, and major sales are not  eligible for Cash Installment Plan.

2. Monthly Terms: Custom – Made

Amount of Purchase	Monthly Terms
₱10,000.00  and up	3

 

By opting for Oro China’s Cash Installment Plan, you agree to the outlined terms and conditions. Review them carefully before diving in!.

 

Payment Terms:

• A 20% nonrefundable deposit is required for regular items, while custom-made pieces require a 50% deposit.
• Initial deposit must be settled within 72 hours upon receiving the Cash Installment Invoice. Failure to comply will result in cancellation, and a revised invoice will be provided if prices have changed.
• Monthly payments start one month post-initial deposit and are facilitated only through bank transfer methods; in-store and credit card transactions are not allowed.

 

Grace Period and Late Fees:

• If you do not pay off the item(s) within the agreed period, a 30-day grace period will be granted.
• At the start of the grace period, a 2% interest/late fee will be added to the remaining balance. No late fee will be charged if payment is collected or made on the agreed monthly terms.
• Early repayment is allowed without penalties, but any interest already paid will not be refunded.

 

Reminders and Forfeiture:

• We will send friendly reminders through SMS, social media, or email, or where the Cash Installment was initiated to ensure timely payments.
• If you do not settle the balance within the given grace period, all partial payments will be forfeited and the contract will be terminated.
• Notice of cancellation will be sent through SMS, social media, or email, or where the Cash Installment was initiated. Once cancelled, Oro China Jewelry has the legal right to sell the items or return them to inventory, and you may be blacklisted.
  
  

Cancellation of Contract:

• While cancellation due to a change of mind is allowed, please note that all payments rendered are nonrefundable.
• For custom-made items, we provide an initial layout and up to two revisions. No changes are allowed after final design approval.
• Modifications to the agreement for item replacement are not allowed.

 

Shipping and Delivery:

• Shipping fees will be calculated before the final payment and are the customer’s responsibility.
• Items are shipped or available for pick-up only after full payment. Delivery times depend on the courier’s lead time and cannot be expedited.

 

Warranty and Ownership:

• Jewelry purchased under the installment plan is covered by Oro China’s standard warranty and refund and exchange policies.
• Oro China retains ownership of the jewelry until full payment is made. Ownership transfers to the customer upon completion of all installment payments.

 

Miscellaneous:

• The cash installment plan may not be availed together with other promotions (e.g. gift certificate).

Contact Information:

• For questions or assistance, please contact Oro China Customer Service at contact.orochina@gmail.com or message us on our social media platforms.

 

Acceptance of Terms:

• By utilizing the Oro China Cash Installment Plan, you agree to the specified terms and conditions. We strongly recommend that you thoroughly read and understand these terms before opting into the plan.

Please spend and pay responsibly!