From watch advice to jewelry design, our expert team is ready to assist you.
HOURS
Phone / Chat: Mon-Sat 11AM-5PM PT
Store: Tue-Sat 11AM-5PM PT
For more than three generations, Topper Fine Jewelers has helped Bay Area families mark life's biggest moments. Our new Ring Builder and Diamond Search bring that same family-owned care online, so you can design your ring from anywhere and still have our expert team by your side.
Below you'll find answers to the questions we hear most. If you don't see yours, call us at 650-347-2221, text us, or stop by our store at 1294 Burlingame Avenue. We're always happy to help.
How does the Ring Builder work?
It's three simple steps. Choose a setting, choose your center stone, then review your finished ring before checkout. You can start with either the setting or the diamond — whichever directions makes you more comfortable.
Where do the diamonds in the search come from?
Our Diamond Search shows stones from our own inventory plus diamonds held by trusted partners and suppliers we've worked with for years. Every diamond is reviewed by Topper before it's shipped.
Is every diamond I see available?
We update our search throughout the day, but partner diamonds can sell quickly. If a stone you've chosen is no longer available, we'll contact you as soon as possible (typically within one day) to offer comparable options or a full refund. Note, this is unusual, stones shown are virtually always available.)
Can I see a diamond or setting in person before I buy?
Absolutely. Book an appointment and we'll bring your favorite diamonds and settings to our Burlingame showroom so you can compare them side by side. Please allow [3–5] business days for partner diamonds to arrive. In an unusual situation where it takes longer than that we’ll contact you ahead of your appointment.
Can I save my designs?
Yes. Save rings and diamonds to your favorites, or share a link for a additional opinion.
Can I talk to a real person?
(Our favorite!) Our jewelry experts are available by phone, text and chat Monday through Saturday, 11 a.m. to 5 p.m. Pacific. We're happy to guide you through the 4Cs, suggest settings, or help you stay within budget. We want to do everything we can to make a out of store experience as personal as if you are here in person at Topper.
Are your diamonds certified?
Yes. Every center diamond in our search comes with a grading report from an independent laboratory such as GIA, GCAL, or IGI. You can view the report on each diamond's page before you buy, and the original report ships with your ring.
Do you offer lab-grown diamonds?
We do. Lab-grown diamonds are real diamonds with the same sparkle and hardness as natural stones. Each diamond is clearly labeled natural or lab-grown, and lab-grown stones are identified as such on their grading report.
Are your diamonds conflict-free?
Yes. Our natural diamonds are sourced from suppliers who comply with the Kimberley Process and the System of Warranties. We don't knowingly sell diamonds from conflict regions.
Do the photos and videos show the actual diamond?
Where a diamond has its own photo or 360° video, that is the exact stone. Some diamonds show a representative image instead, and these are clearly marked. Colors can vary slightly depending on your screen.
Can I use my own diamond or a family stone?
Many of our settings can hold a stone you already own. Please contact us first so we can inspect it. Settings made for your own stone are considered custom pieces (see Custom Pieces below).
Can I get help choosing?
We are here to help! Our experts can pull a short list of diamonds that fit your budget and priorities, and help guide you through what is a large list of options.
How is the price of my ring calculated?
Your total is the setting price plus the center stone price, shown together before checkout. Prices for precious metals and some partner diamonds can change with the market, so the price is confirmed and locked in when your order is placed.
What if the price on the site is wrong?
We work hard to keep everything accurate, but mistakes can happen. If an item is listed at an incorrect price, we'll contact you before processing your order and give you the choice to continue at the correct price or cancel for a full refund.
What forms of payment do you accept?
We accept major credit cards, bank wires, and personal checks. Orders paid by check ship once the check has cleared. (Outside third party financing is often available upon approval of credit, please inquire for detail. Some purchases qualify for 12 months of interest free financing.)
Do you offer financing?
Yes. Financing is available for qualified buyers — see our Financing page or ask our team for details.
Will I be charged sales tax?
Sales tax is charged on orders shipped to or picked up in California, and to other states where we're required to collect it. The exact amount is shown at checkout.
Can I trade-in jewelry or a watch toward my ring?
Yes! We offer trade-in credit on either fine jewelry or watches. Once you take possession of your new ring, a trade-in transaction is final and the standard return policy doesn't apply.
How long will it take to make my ring?
Most rings built with the Ring Builder are ready to ship in about three to four weeks. Custom designs usually take four to six weeks once you approve the final design. You'll see an estimated ship date before checkout, and we'll keep you posted along the way.
Can you meet a deadline, like a proposal date?
Let us know your date when you order and we'll do everything we can. If it's tight, call us — we'll tell you honestly what's possible.
How do you ship?
Every order ships fully insured in discreet packaging with no mention of jewelry on the outside. An adult signature is required at delivery, and we can't ship to P.O. boxes. Shipping within the U.S. is [free].
Can I pick up my ring in the store?
Yes, and we'd love to see you. Choose in-store pickup at checkout and bring a photo ID. We'll check the fit and make sure everything is perfect before you leave.
Do you ship internationally?
We ship internationally to selected countries. Please contact us and we’ll do our best to meet your needs. Note, all international shipping expense and duty is the purchaser’s responsibility.)
Can I change or cancel my order?
Contact us as soon as possible. Orders can usually be changed or cancelled before production begins. Once a custom piece has entered production, the Custom Pieces terms below apply.
What is your return policy?
We want you to love your ring. If you don't, you may return a stock item within 14 days of receiving it for a refund. Custom pieces are handled differently — see Custom Pieces below.
What condition does my return need to be in?
Items must be in original, unworn condition. Please include the original packaging, grading report, appraisal and any other paperwork that came with your ring. Pieces with scratches, damage or signs of wear can't be accepted.
How do I start a return?
Call or email us for a Return Authorization number before sending anything back. We can't process a return without one. We'll explain how to ship your ring safely and fully insured, or you can bring it to our Burlingame store.
Are there any fees?
For returns paid by credit card, a processing fee of 3.5% of the sale amount applies. There's no processing fee on orders paid by bank wire or check, or on even exchanges.
How and when will I get my refund?
Once we receive and inspect your return, your refund goes back to your original form of payment, usually within one or two business days. (Your bank may take a few extra days to post it which is outside of Topper Fine Jeweler’s control.)
Can I exchange instead?
Yes. We're happy to exchange your ring for another piece within the same 14 days, with no processing fee on an even exchange.
Which items can't be returned?
Can I get a longer return period?
If you need more time — for example, a ring bought well ahead of a proposal — ask us at the time of purchase. Any extended return period must be agreed in writing at the time of sale.
What counts as a custom piece?
A custom piece is any ring made or changed especially for you. That includes one-of-a-kind designs, settings modified from our standard styles, rings made in a non-standard size or metal, and settings made for a stone you provide.
Can I return a custom piece?
Yes — many jewelers won't accept custom returns at all, but we will. Custom pieces returned in original, unworn condition within 14 days of receipt are subject to a $500 restocking fee. The fee covers the design and labor that went into making your piece. The 3.5% credit card processing fee also applies to custom returns paid by card.
Is a design deposit required?
Custom orders require a deposit before production begins. Deposit amounts are confirmed at the time of the order.
Will I approve the design before it's made?
Always. You'll review sketches or CAD renderings and approve the final design in writing before we begin production. Changes requested after approval may add time and cost.
What about engraving?
Engraving makes a ring uniquely yours, engraved rings can't be returned for a refund. If you're unsure, you can order your ring now and have it engraved later. Engraving is free of charge.
What if I don't know the ring size?
We’re here we'll help! We can send a ring sizer free of charge, or you can visit us for a free sizing. If the ring needs to be resized after purchase, we’ll size it free of charge, unless it is the rare item that can’t be sized. (We’ll talk about un-sizable rings and limitations of size change ahead of completing the purchase and review what your options are.)
Can every ring be resized?
Most can. Eternity bands, some intricate designs, and certain alternative metals can't be resized, or can only be resized a small amount.
Is my ring covered by a warranty?
Yes. Your ring is covered against manufacturing defects for life. The warranty doesn't cover wear, loss or theft, accidental damage, or work done by another jeweler. That said, we want to see you again! We’re here to do our best to take really good care of you and your jewelry. Please talk to us!
Do you offer cleaning and inspections?
Yes, and they're always complimentary. Stop by any time we're open and we'll clean your ring and check the prongs and setting while you wait. We recommend an inspection every six months to keep your diamond secure.
Do you offer a diamond upgrade program?
The full purchase price of your diamond is applicable towards a new stone that is double the price of the existing piece.
Should I insure my ring?
We recommend it. Your ring ships with a written appraisal you can use to insure it through your homeowner's, renter's or a jewelry insurance policy.
Terms of use. By using the Ring Builder and Diamond Search, you agree to these terms and our Terms of Use. We may update these policies from time to time; the version in effect on your order date applies to your purchase.
Accuracy. Diamond specifications come from independent grading reports. Metal weights, measurements and images are close approximations. We reserve the right to correct errors and to limit or cancel orders, including orders placed at an incorrect price.
Privacy. We never sell your personal information. We use it only to process your order, keep in touch about your purchase and, if you choose, send you news and offers. See our Privacy Policy for details.
Contact us. Topper Fine Jewelers, 1294 Burlingame Avenue, Burlingame, CA. Call or text 650-347-2221. Phone and chat: Monday–Saturday, 11 a.m.–5 p.m. PT. Showroom: Tuesday–Saturday, 11 a.m.–5 p.m. PT.
