Don't 'pull the trigger' on purchasing cluster pearl ring or watch or bracelet or any jewelry until you learn all you can about it so that you are a smart consumer. Shop all aspects related to your purchase: the price; the quality and the service you get after the purchase. b. Get all the details about the online or store return policy and their refund policy. a. Carefully read all warranties and guarantees and ask questions if the terms are unclear. Always get everything you relied upon related to the purchase in writing (e.g. sales receipt; gemological report; purchase details).

Investigate the 'store' from whom you are making a purchase. Whether it's a brooch, pendant, necklace or cluster pearl ring, understand the stores reputation by checking with others that have made purchases including friends or relatives. We suggest that you look into the store's standing in your town. If the jewelry store is a member of any trade organizations, determine what they are and investigate the requirements to belong. Obtain as much information as you can about the store you are entertaining using from the Better Business Bureau. Dealing with knowledgeable staff is a must. See if they have a gemological background.

The BBB Reliability seal is a good indicator of the online store's compliance with good business practices and a seal you should look for when buying diamonds, watches, pearls or cluster pearl ring. Prior to purchasing, get all details about your purchase in writing. Call the online store and get confirmation as to the particulars of the purchase. In addition, be sure that you document all conversation and details of the transaction. Closing remark - your recipient of cluster pearl ring is one lucky person!