​

Effective Date: September 3, 2026 | Last Updated: September 3, 2026

PART I — TERMS AND CONDITIONS

PREAMBLE

These Terms and Conditions ("Terms," or this "Agreement") constitute a legally binding agreement between

you ("User," "Student," "you," or "your") and The Jewelry Institute of America, Inc., a Texas corporation with

its principal place of business at Katy, Texas 77450 (together with its affiliates,

successors, and assigns, "JIA," "the Institute," "Company," "we," "us," or "our"), governing your access to

and use of the website located at www.jewelryinstitute.org, all related subdomains, mobile-optimized properties,

student portals, learning management systems, payment portals, and any other online or offline platforms,

applications, or services operated by JIA (collectively, the "Platform" or "Services").

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION REGARDING

YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING VARIOUS LIMITATIONS AND

EXCLUSIONS, A CLAUSE THAT GOVERNS THE VENUE OF DISPUTES BETWEEN YOU AND JIA, AND

AN AGREEMENT TO ARBITRATE DISPUTES ON AN INDIVIDUAL BASIS RATHER THAN AS PART OF

ANY CLASS OR REPRESENTATIVE ACTION.

1. ACCEPTANCE OF TERMS; ELIGIBILITY

1.1 Acceptance. By accessing the Platform, creating an account, submitting an enrollment application, clicking

"I Agree," electronically signing an enrollment agreement, or otherwise using any of the Services, you

affirmatively acknowledge that you have read, understood, and agree to be bound by these Terms and by our

Privacy Policy (Part II below), which is incorporated herein by reference. If you do not agree to these Terms in

their entirety, you must not access or use the Platform or Services.

1.2 Electronic Signatures. You agree that your electronic acceptance of these Terms constitutes a valid

signature under the Texas Uniform Electronic Transactions Act, Tex. Bus. & Com. Code § 322.001 et seq., and

the federal E-SIGN Act, 15 U.S.C. § 7001 et seq., and has the same legal force and effect as a handwritten

signature. JIA maintains secure electronic enrollment and execution logging workflows that generate a legally

compliant audit trail satisfying all statutory attribution and record-retention obligations.

1.3 Eligibility.

(a) You must be at least eighteen (18) years of age, or the age of majority in your state of residence, to

independently accept these Terms and enroll in any JIA program.

(b) Users between the ages of sixteen (16) and eighteen (18) may enroll only with the written consent of, and

co-signature by, a parent or legal guardian, who shall be jointly and severally liable for all tuition, fees, and

obligations arising under this Agreement, subject to any additional licensing rules imposed by the Texas

Workforce Commission (TWC).

(c) You represent and warrant that all information you submit during enrollment or account registration is true,

accurate, current, and complete, and you agree to promptly update such information as necessary.

(d) JIA reserves the right, in its sole discretion, to refuse enrollment or Platform access to any individual for any

lawful reason, including without limitation prior disciplinary history, failure to meet prerequisite requirements, or

submission of fraudulent information.

1.4 Modifications to Terms. JIA reserves the right to modify, amend, or update these Terms at any time in its

sole discretion. Material changes will be posted on the Platform with an updated "Last Updated" date and,

where required by law, communicated via email to enrolled Students. Your continued use of the Platform

following the posting of revised Terms constitutes your acceptance of those changes. It is your responsibility to

review these Terms periodically.

2. THE PLATFORM AND EDUCATIONAL SERVICES

2.1 Description. JIA is a private career and trade school offering diploma, certificate, and continuing-education

instruction in jewelry arts, including but not limited to diamond setting, hand engraving, goldsmithing, grillz

fabrication, and gemology. These programs are delivered through in-person instruction at our Katy, Texas

campus, hybrid instruction, and/or online coursework accessed through the Platform, including programs

delivered in partnership with third-party instructional providers (e.g., Academia De Orfebres). JIA operates

under the regulatory jurisdiction of the Texas Workforce Commission Career Schools and Colleges section.

Required statutory disclosures, school catalogs, and TWC licensing particulars are provided explicitly within the

student enrollment contract before execution.

2.2 No Guarantee of Outcomes. JIA provides instruction, facilities, and materials but does not guarantee

employment, licensure, certification recognition by any third party, income level, or any other outcome following

completion of a program. Program content, instructors, schedules, and facilities are subject to change at JIA's

discretion.

2.3 Third-Party Instructional Partners. Certain diploma tracks (including the Goldsmith Technician diploma)

are delivered in partnership with third-party providers. JIA is not liable for the acts, omissions, instructional

quality, or business practices of independent third-party partners except as expressly required by law.

3. ACCOUNTS

3.1 Account Security. You are responsible for maintaining the confidentiality of your login credentials and for

all activity occurring under your account. You agree to notify JIA immediately at info@jewelryinstitute.org of any

unauthorized use of your account.

3.2 One Account Per Student. Each Student may maintain only one active account absent JIA's prior written

consent. Accounts are personal to the Student and may not be sold, transferred, or shared.

4. TUITION, FEES, PAYMENT PROCESSING, AND SUBSCRIPTIONS

4.1 Tuition and Fees. Tuition, registration fees, materials fees, and any other charges associated with a

program (collectively, "Charges") are as set forth in the applicable program's enrollment agreement or order

form at the time of enrollment. JIA reserves the right to modify pricing for future enrollment periods, provided

that Charges for a Student's then-current enrollment term will not increase without prior written notice.

4.2 Payment Processing. Payments are processed through PCI-DSS-compliant third-party payment

processors, primarily Stripe. By submitting payment information, you authorize JIA and its payment processor

to charge the applicable Charges to your designated payment method. JIA does not store full payment card

numbers on its own servers; all tokenization and processing are handled strictly in accordance with Stripe's

data-processing and merchant terms.

4.3 Payment Plans and Subscriptions. Where JIA offers installment payment plans or recurring subscription

billing for tuition or program access:

(a) You authorize JIA to automatically charge your designated payment method on each recurring billing date

until the program is paid in full or the subscription is cancelled in accordance with Section 4.5.

(b) Failure of a scheduled payment may result in a late fee of $25.00, suspension of Platform access, and/or

suspension from in-person instruction until the account is brought current, as further described in Section 6.

(c) All recurring charges will be disclosed to you prior to enrollment, including amount, frequency, and duration,

consistent with applicable automatic-renewal disclosure requirements. JIA provides transparent billing and

easy-to-access digital portals to ensure proper tracking and user control.

4.4 Late Payments; Collections. Delinquent accounts may be referred to a third-party collection agency

and/or reported to consumer reporting agencies to the extent permitted by the Texas Finance Code and the

federal Fair Debt Collection Practices Act. You agree to reimburse JIA for reasonable collection costs and

attorneys' fees actually incurred in connection with collecting delinquent Charges, to the extent permitted by

law.

4.5 Refunds and Enrollment Cancellation Policy.

(a) Right to Cancel. A Student may cancel enrollment by submitting written notice to info@jewelryinstitute.org.

The effective date of cancellation is the date such notice is received, or the last date of academic attendance,

whichever is later, except as otherwise required by law.

(b) Cooling-Off Period. A Student who cancels within seventy-two (72) hours (three business days, excluding Saturdays, Sundays, and legal holidays) of signing the enrollment agreement is entitled to a full refund of all tuition and fees paid.

(c) Pro-Rata Refund Schedule. For cancellations occurring after the 72-hour cooling-off period and after the

commencement of classes, refunds of eligible tuition are structured strictly in compliance with Texas Education

Code § 132.061. A non-refundable registration fee of $100.00 is retained by the Institute. Refunds are

calculated based on the percentage of the program scheduled or completed up to the point of official

withdrawal:

Withdrawal Occurs Tuition Refund

Prior to the first day of class 100% (less $100.00 registration fee)

Within the first 10% of the program 90% refund of eligible tuition

After 10% and up to 25% of the program 75% refund of eligible tuition

After 25% and up to 50% of the program 50% refund of eligible tuition

After 50% and up to 75% of the program 25% refund of eligible tuition

After more than 75% of the program is completed 0% (No refund)

(Note: In accordance with Texas statutory rules, all eligible refunds owed to a student who terminates or withdraws will be paid fully within sixty (60) calendar days from the official date of cancellation or separation).

(d) Non-Refundable Items. Kits, tools, gemstones, precious metals, or consumable materials issued to the Student are non-refundable once opened or issued, except as required by law.

(e) Program Cancellation by JIA. If JIA cancels a program prior to commencement, Students will receive a full refund of all Charges paid for that program within thirty (30) days.

(f) Chargebacks. Initiating a credit card chargeback in lieu of following this cancellation and refund process

constitutes a material breach of these Terms and may result in immediate account suspension and referral to collections.

4.6 Taxes. Charges are exclusive of applicable sales, use, or similar taxes unless stated otherwise; you are

responsible for all such taxes other than taxes on JIA's net income.

5. DATA COLLECTION AND USE

Your submission of personal information to JIA is governed by the Privacy Policy set forth in Part II of this

Agreement, which is incorporated herein by reference. By using the Platform, you consent to the collection, use,

and disclosure of your information as described therein.

6. TERMINATION AND ACCOUNT SUSPENSION

6.1 Suspension or Termination by JIA. JIA may, in its sole discretion and without liability, suspend or

terminate your account, your Platform access, and/or your enrollment, with or without prior notice, for reasons

including but not limited to:

(a) breach of these Terms, the enrollment agreement, or any JIA student conduct or academic-integrity policy;

(b) nonpayment of Charges;

(c) conduct that JIA determines, in its reasonable judgment, to be unsafe, disruptive, harassing, or damaging to

JIA's facilities, personnel, other students, or reputation. Jewelry-arts instruction involves the use of torches,

saws, rotary tools, precious metals, and other hazardous equipment; safety-related misconduct will result in

immediate suspension;

(d) academic dishonesty or violation of examination integrity;

(e) provision of false information during enrollment; or

(f) as required by law or licensing authority directive.

6.2 Effect of Termination. Upon termination or suspension, your right to access the Platform and attend instruction immediately ceases. Termination does not relieve you of any payment obligations accrued prior to

the termination date, subject to the refund provisions of Section 4.5. Sections 4 (as to amounts owed), 7

(Intellectual Property), 8 (Disclaimers), 9 (Limitation of Liability), 10 (Indemnification), and 12 (Dispute

Resolution) survive termination.

6.3 Voluntary Withdrawal. A Student may voluntarily withdraw at any time by providing written notice as

described in Section 4.5(a). Voluntary withdrawal is subject to the refund schedule in Section 4.5(c).

7. INTELLECTUAL PROPERTY

7.1 JIA Content. All curricula, course materials, videos, slide decks, technique guides, trademarks (including

"The Jewelry Institute of America" and associated logos), and other content made available through the

Platform (collectively, "JIA Content") are the exclusive property of JIA or its licensors and are protected by U.S.

and international copyright, trademark, and other intellectual property laws.

7.2 Limited License to Students. Subject to your compliance with these Terms and payment of applicable

Charges, JIA grants you a limited, non-exclusive, non-transferable, revocable, non-sublicensable license to

access and use JIA Content solely for your personal, non-commercial educational purposes in connection with

your enrollment. This license terminates automatically upon suspension, termination, or the conclusion of your

enrollment.

7.3 Prohibited Uses. You may not reproduce, distribute, publicly display, publicly perform, create derivative

works from, reverse engineer, resell, sublicense, or otherwise commercially exploit any JIA Content, including

by teaching JIA's proprietary techniques or curricula to third parties for compensation, without JIA's prior written

consent.

7.4 Student-Created Work. Physical items fabricated by a Student using the Student's own purchased

materials during coursework belong to the Student, subject to any applicable kit/materials agreement.

Photographs, videos, written work, or other digital content a Student submits to JIA in connection with

coursework, portfolio reviews, or grading ("Student Content") remain owned by the Student. However, the

Student grants JIA a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce,

display, and distribute Student Content for JIA's educational, promotional, accreditation, and marketing

purposes (e.g., website galleries, social media, catalogs), unless the Student opts out in writing at enrollment or

thereafter via info@jewelryinstitute.org.

7.5 Feedback. Any suggestions, ideas, or feedback you provide regarding the Platform or Services may be

used by JIA without restriction or compensation to you.

8. DISCLAIMER OF WARRANTIES

8.1 "AS IS" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE TEXAS LAW, THE

PLATFORM, SERVICES, AND ALL JIA CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE,"

WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. JIA

EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE IMPLIED

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE,

NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF

TRADE.

8.2 No Warranty of Results. JIA does not warrant that the Platform will be uninterrupted, error-free, or secure,

or that completion of any program will result in employment, licensure, certification, or any particular skill level

or financial outcome.

8.3 Physical Risk Acknowledgment. Jewelry-arts instruction involves inherent risks, including burns, cuts,

exposure to metal dust and fumes, and injury from hand and power tools. Enrollment is contingent upon

execution of a separate Assumption of Risk and Release of Liability agreement. In accordance with Texas

premises liability frameworks, physical shop instruction requires this separate, conspicuously presented, and

standalone executed release.

8.4 Texas DTPA Disclosure. SOME OF THE ABOVE DISCLAIMERS MAY NOT APPLY TO YOU TO THE

EXTENT THEY WOULD IMPROPERLY WAIVE RIGHTS UNDER THE TEXAS DECEPTIVE TRADE

PRACTICES–CONSUMER PROTECTION ACT, TEX. BUS. & COM. CODE § 17.41 ET SEQ. ("DTPA").

NOTHING IN THESE TERMS IS INTENDED TO WAIVE ANY RIGHT OR REMEDY UNDER THE DTPA THAT

CANNOT LAWFULLY BE WAIVED. See Section 9.4 below regarding the limited and conditional nature of any

DTPA waiver.

9. LIMITATION OF LIABILITY

9.1 Exclusion of Consequential Damages. TO THE MAXIMUM EXTENT PERMITTED BY TEXAS LAW, IN

NO EVENT SHALL JIA, ITS OFFICERS, DIRECTORS, EMPLOYEES, INSTRUCTORS, AGENTS, OR

THIRD-PARTY INSTRUCTIONAL PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL,

CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF

PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR

RELATED TO YOUR USE OF (OR INABILITY TO USE) THE PLATFORM OR SERVICES, REGARDLESS OF

THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE)

AND EVEN IF JIA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9.2 Aggregate Liability Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, JIA'S TOTAL

AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE

TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF TUITION AND FEES

ACTUALLY PAID BY YOU TO JIA IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE

TO THE CLAIM.

9.3 Carve-Outs. Nothing in this Section 9 is intended to limit liability for (a) JIA's gross negligence or willful

misconduct, (b) death or bodily injury caused by JIA's negligence to the extent such limitation is void under

Texas law, or (c) any liability that cannot lawfully be limited or excluded under the DTPA or other applicable

Texas statute.

9.4 Conditional DTPA Waiver (B2B / Non-Consumer Transactions Only). This section applies exclusively to

transactional entities that do not fall under standard individual consumer enrollment pathways. To the extent

(and only to the extent) that a transaction under these Terms does not constitute a "consumer transaction" as

defined by the DTPA, or otherwise qualifies for waiver under Tex. Bus. & Com. Code § 17.42, and only where

the purchasing entity (i) is represented by legal counsel in seeking or acquiring the goods or services, (ii) is not

in a significantly disparate bargaining position, and (iii) the transaction involves total consideration of less than

$500,000 relating to the purchase or lease of a family residence, the parties agree to the following statutory

formatting:

"THE PARTIES TO THIS AGREEMENT WAIVE THE PROVISIONS OF THE DTPA (SUBCHAPTER E OF

CHAPTER 17 OF THE TEXAS BUSINESS AND COMMERCE CODE), A LAW THAT GIVES CONSUMERS

SPECIAL RIGHTS AND PROTECTIONS. AFTER CONSULTATION WITH AN ATTORNEY OF THEIR OWN

SELECTION, THE PURCHASER VOLUNTARILY CONSENTS TO THIS WAIVER."

*This waiver is explicitly omitted and deemed completely unenforceable for ordinary individual student

consumers executing general program enrollments.*

9.5 Basis of the Bargain. You acknowledge that JIA has set its tuition and fees in reliance upon the

disclaimers and limitations of liability set forth in this Agreement, and that these provisions form an essential

basis of the bargain between the parties.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless JIA, its officers, directors, employees, instructors, and

agents from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable

attorneys' fees, arising out of or in any way connected with: (a) your access to or use of the Platform or

Services; (b) your breach of these Terms; (c) your violation of any law or the rights of a third party; or (d)

Student Content you submit, except to the extent caused by JIA's gross negligence or willful misconduct.

11. GOVERNING LAW AND VENUE

11.1 Governing Law. These Terms, and any dispute arising out of or related to these Terms, the Services, or

your enrollment (whether based in contract, tort, statute, or otherwise), shall be governed by and construed in

accordance with the laws of the State of Texas, without regard to its conflict-of-laws principles.

11.2 Exclusive Venue. Subject to Section 12 (Dispute Resolution), you and JIA agree that the exclusive venue

for any action, suit, or proceeding arising out of or relating to these Terms or the Services — including any

action to compel arbitration or to confirm, modify, or vacate an arbitration award — shall be the state courts

located in Harris County, Texas, or, if federal subject-matter jurisdiction exists, the United States District Court

for the Southern District of Texas, Houston Division. You and JIA each irrevocably consent to the personal

jurisdiction of such courts and waive any objection to venue or to the convenience of such forum, including

under the doctrine of forum non conveniens. JIA's principal facility resides inside Harris County parameters,

satisfying mandatory venue logic under Tex. Civ. Prac. & Rem. Code Ch. 15.

12. DISPUTE RESOLUTION; MANDATORY BINDING ARBITRATION

12.1 Agreement to Arbitrate. EXCEPT AS SET FORTH IN SECTION 12.6 BELOW, YOU AND JIA AGREE

THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS,

YOUR ENROLLMENT, OR THE SERVICES (A "DISPUTE") SHALL BE RESOLVED EXCLUSIVELY

THROUGH FINAL AND BINDING ARBITRATION, RATHER THAN IN COURT, except that either party may

assert claims in small claims court if the claim qualifies.

12.2 Arbitration Rules and Administration. The arbitration shall be administered by the American Arbitration

Association ("AAA") under its Consumer Arbitration Rules (or, for non-consumer/B2B disputes, its Commercial

Arbitration Rules) then in effect. The arbitration shall be conducted by a single arbitrator, and, unless the parties

agree otherwise, shall take place in Harris County, Texas, or may be conducted by telephone, videoconference,

or based on written submissions where permitted by the applicable rules. This clause complies fully with the

AAA's Consumer Due Process Protocol regarding cost-shifting protections for individual consumer signees.

12.3 Federal Arbitration Act. This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C.

§§ 1–16, and, to the extent applicable and not preempted, the Texas General Arbitration Act, Tex. Civ. Prac. &

Rem. Code § 171.001 et seq.

12.4 CLASS ACTION AND JURY TRIAL WAIVER. YOU AND JIA EACH AGREE THAT ANY ARBITRATION

SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE,

CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU AND JIA EACH WAIVE ANY RIGHT TO A JURY

TRIAL. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY

NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. This

structural waiver is built to comply with federal and Fifth Circuit unconscionability doctrines.

12.5 Opt-Out Right. You may opt out of this arbitration agreement by sending written notice to

info@jewelryinstitute.org within thirty (30) days of first accepting these Terms, stating your name,

account/enrollment identifier, and a clear statement that you wish to opt out of arbitration. Timely opt-out will not

affect any other provision of these Terms.

12.6 Exceptions to Arbitration. Notwithstanding Section 12.1, either party may bring an individual action in

the courts identified in Section 11.2 to: (a) seek temporary, preliminary, or permanent injunctive or equitable

relief to protect intellectual property or confidential information; (b) pursue a claim within the jurisdictional limits

of small claims court; or (c) enforce or confirm an arbitration award.

12.7 Fees. Arbitration filing, administration, and arbitrator fees shall be allocated in accordance with the

applicable AAA Consumer or Commercial Arbitration Rules, provided that JIA will pay any fees or costs that an

individual student consumer would not otherwise be required to pay in court, ensuring enforceability under

standard regional consumer protection requirements.

12.8 Severability of Arbitration Terms. If the class-action waiver in Section 12.4 is found unenforceable as to

a particular Dispute, then that Dispute (and only that Dispute) shall proceed in the courts identified in Section

11.2 rather than in arbitration, and the remainder of this Section 12 shall remain in full force and effect.

13. STUDENT CONDUCT AND ACADEMIC POLICIES

13.1 Students must comply with all JIA academic integrity, attendance, shop-safety, and code-of-conduct

policies set forth in the applicable student catalog or handbook, which is made available digitally through the

user portal at www.jewelryinstitute.org/catalog.

13.2 JIA reserves the right to modify curricula, instructors, schedules, and shop-safety rules at any time to

ensure quality instruction and Student safety.

14. THIRD-PARTY LINKS AND SERVICES

The Platform may contain links to third-party websites or services (including payment processors, e-signature

providers, and third-party instructional partners) not owned or controlled by JIA. JIA is not responsible for the

content, policies, or practices of any third-party website or service.

15. GENERAL PROVISIONS

15.1 Entire Agreement. These Terms, together with the Privacy Policy (Part II) and any signed enrollment

agreement, constitute the entire agreement between you and JIA regarding the Platform and Services, and

supersede all prior or contemporaneous agreements on that subject matter.

15.2 Severability. If any provision of these Terms is held unenforceable or invalid, that provision shall be

limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force

and effect.

15.3 No Waiver. JIA's failure to enforce any provision of these Terms shall not be deemed a waiver of that or

any other provision.

15.4 Assignment. You may not assign or transfer these Terms or any rights hereunder without JIA's prior

written consent. JIA may freely assign these Terms in connection with a merger, acquisition, or sale of assets.

15.5 Force Majeure. JIA shall not be liable for any failure or delay in performance resulting from causes

beyond its reasonable control, including natural disasters, pandemic, labor disputes, governmental action, or

utility/internet failures.

15.6 Notices. Notices to JIA must be sent to info@jewelryinstitute.org or via registered mail to our principal

business location. Notices to you may be sent to the email address or mailing address on file with your account.

15.7 Relationship of the Parties. Nothing in these Terms creates a partnership, joint venture, agency, or

employment relationship between you and JIA.

15.8 Headings. Section headings are for convenience only and do not affect interpretation of these Terms.

15.9 Contact Information. Questions regarding these Terms should be directed to:

​

The Jewelry Institute of America, Inc.

Email: info@jewelryinstitute.org

Website: www.jewelryinstitute.org