Upcoming Events

We are pleased to offer exclusive in-person events in chapter cities, curated exclusively for Gem X members. Gemflix is an online series of conversations around jewelry.  Live chats are complimentary and open to all.  In lieu of an event fee for Gemflix, we encourage donations to the Gem X Scholarship & Grant FundThank you and we hope you enjoy our jewelry adventures.  Please RSVP below.

Thursday 9th November | Gem X London: The New Piercing Subculture with Hannah Martin.

Join us for an evening celebrating the storied medium of body piercing and its fascinating intersection with jewellery, hosted by piercing specialist Hannah Martin. 

Hannah will present her new collection of unique bodily adornments, and we’ll have the opportunity to get pierced by her in-house artist Roni. In her own words, “Inspired by a love of feeling, of sensation, the collection represents a love of what it means to be human.”

This is a private event for members. Please RSVP HERE

Saturday 11th November | Gem X NYC: A Walk Through the Garden of Green. 

Please join us for a bespoke tour of the Garden of Green exhibition, a special opportunity to see 44 extraordinary pieces of Van Cleef & Arpels jewelry, 32 of which are being exhibited for the first time in the US.

Van Cleef & Arpels is a maison known for its selection of the most exquisite stones, or pierres de caractère. As Claude Arpels would say, “Every stone has a soul of its own.” This exhibition explores the varied and sometimes surprising breadth of green stones and designs used throughout the maison’s history, from Art Deco emeralds to ’70s malachite butterflies.  

This is a private event for members. WAIT LIST ONLY

Sunday 12th November | Gem X NYC: The Jewels of Salon Art + Design.

We’re delighted to invite you to an afternoon of jewels at Salon Art + Design, a leading collectible design and fine art fair. For its 12th edition, hosted at the Park Avenue Armory in New York City from 9th-13th November, the fair is hosting 50+ influential galleries to present the world’s leading design – vintage, modern and contemporary –  and blue-chip 20th-century art.

Your afternoon begins at the fair’s afternoon talk, Jewelry Collecting in the 21st Century: Artistic Vision, Gems, and Ethical Considerations in Contemporary Studio Jewelry presented by Elevated Matter.  Following the panel, we will break off for a walking tour of the jewelry exhibitors.

This is a private event for members. Please RSVP HERE.

Thursday 16th November | Gem X London: Unveiling the Mystery of Vedic Astrology with Anna Kerr.

We’re delighted to invite you on a journey into the fascinating world of gems and Vedic astrology with jeweller Anna Kerr.

The study of Vedic astrology is one that predates the first millennia, rooted in the ‘Veda’ – India’s ancient system of knowledge. A key understanding is that certain natural gemstones represent planets within our solar system.  Anna will take us through the core values of Vedic astrology and of her work, in conjunction with presenting her new collection of one-of-a-kind jewels.

This is a private event for members. Please RSVP HERE

Sunday 19th November | Gem X San Francisco: Thesis Gems Presents Gems & Juice

Thesis Gems founder Cate Claus invites extends a warm invitaion to another sparkling jewelry and culinary experience for our San Francisco members.

As we head into the season for giving, this charitable event will be in honor of Doctors Without Borders – Cate herself being a practicing paediatrician. The show specially features antique jewelry with triple threat model, gemologist & treasure hunter Michella Cruz along with the breathtaking jewels of artists Vanessa FernandezLeen HeyneAndrea CapelloDuffy Jewelry and Poli Trading Co. Expect jewels, delicious drinks, bites, and a gem gift for each attendee!

This is a private event for members. Please RSVP HERE

Tuesday 28th November | Gem X NYC: Luz Camino Part 1 – A Closer Look At The Jewels.

Follow the whispers of fellow jewelry lovers and collectors and join us for an exclusive Gem X private viewing of Luz Camino’s recent pieces, personally led by Luz and her son and collaborator Fernando Tapia at The Jewellery Salon at Bergdorf Goodman. In her 50th year in the industry, Luz has illuminated fine jewelry with works of art that are simultaneously inventive, nuanced and poetic. Her jewelry captures nature in vivid color and realism, often employing an innovative use of materials and precious gems, often one of a kind or made in very limited editions. 

This is a private event for members. Please RSVP HERE

Thursday 30th November | Gem X NYC: Luz Camino Part 2 – A Bit of Universe Book Party.

We invite you to a very special private gathering to meet Luz and Fernando Tapia, her son and long-time collaborator.  As we learned at the recently aired Gemflix with Luz and Fernando, like all exceptional jewelry, her work carries with it even more than meets the eye. Over cocktails in an intimate setting, we will get to take in their beautiful monograph and get the rare chance to hear some of the fascinating stories of inspirations and influences behind a selection of her work.

This is a private event for members. Please RSVP HERE

Thursday 30th November | Gem X NYC: Mikimoto Pearl Masterclass.

Delve into the history of visionary founder Kokichi Mikimoto and enjoy a hands-on demonstration showcasing Mikimoto’s unparalleled designs and master craftsmanship. A Mikimoto ‘Pearl Master’ will recount the story of the world’s first cultured pearl and how its birth continues to be the centerpiece for one of the world’s high jewelers. 

This is a private event for members. Please RSVP HERE

Saturday 2nd December | Gem X LA: Pushing the Norm with Polly Wales

British jewelry designer Polly Wales and her jewelry have captivated us long before relocating her studio, workshop, and team to LA. Her stunning and thought-provoking designs are our constant obsessions as she continues to push boundaries with her signature “cast-not-set” technique pioneered during her master’s work at The Royal College of Art.

Join us for an exclusive artist talk and Q&A with Polly delving into her creative process and vision, followed by an afternoon experiencing the artistry of her full collection while indulging in cocktails. 

This is a private event for members. Please RSVP HERE

Wednesday 6th December | Gem X London: FabYULEus Holiday Festivities: Revel in the Splendour of the Crown Jewels

Imagine finding yourself alone in the Tower of London with one of the most extraordinary jewellery collections in the world, the Crown Jewels of the United Kingdom. This holiday season, we invite you to unwrap some Gem X magic and to join us for a once-in-a-lifetime opportunity to discover the Crown Jewels in private, guided by the Tower’s knowledgeable custodians.

Our group of jewellery lovers will be escorted into the grounds of the Tower and its grand Treasury for a private viewing of the Crown Jewels, encompassing more than 100 objects and 23,000 gemstones of priceless cultural, historical, and symbolic value. Following the tour, we’ll head nearby for a drink and toast to the beginning of the festive season. In keeping with the theme, we invite guests to wear their own personal ‘crown jewels’ – a precious personal relic whose story you can share with others in the group.

This is a private event for members. WAIT LIST ONLY.

Thursday 14th December | Gem X NYC: A Peek Inside the Magical World of Larkspur & Hawk

We’re delighted to invite you to step inside the magical world of Larkspur & Hawk for an up close and personal look at the brand’s enchanting jewelry collection. Meet the founder and designer, Emily Satloff, at her Manhattan showroom and learn the origins of foiled jewelry. She will share how she transitioned from the world of museum curatorial work to dealing antique jewelry – specifically 18th century designs – and how it informs her modern collection today.

This is a private event for members. Please RSVP HERE

Sunday 21st January | Gem X NYC: The Jewels of the Winter Show.

We’re delighted to start the new year with an invitation to a jewelry-focused tour of the Winter Show at the Park Avenue Armory, led by Gem X Core member Levi Higgs.

We’ll begin with a toast at Simon Teakle Fine Jewelry with fellow Gem X Core member Christine Cheng, while perusing antique and vintage treasures. From there, we will stroll around the show, where jewels can be found at Kentshire, James Robinson, SJ Shrubsole, Didier Ltd, Macklowe Gallery, A la Vieille Russie, Koopman, Veronique Bamps, Wartski, and Les Enluminures. Our tour will highlight some favorites, and time will be reserved to explore on your own.

This is a private event for members. RSVP HERE.

Tuesday 30th January | Gem X Excursions Tucson: Opening Night Cocktail Hour

We’re delighted to invite you to join us for a cocktail hour with fellow members and gem enthusiasts to celebrate the opening of the 2024 Tucson Gem ShowWe’ll meet, mingle and share a cocktail with fellow Gem X members and mineral experts and toast to the opening of the show and exploring it together.

This is a private event for members attending Tucson 2024. Please RSVP via email to assistant@gemx.club 

Tuesday 30th January | Gem X Excursions Tucson: Peridot Masterclass with Joanna Hardy & Fuli Gemstones

We’re delighted to invite you to a Peridot Masterclass, taught by jewelry specialist, lecturer and BBC Antiques Roadshow star, Joanna HardySince the beginning of civilization, peridot has been a deeply revered stone. The Egyptians worshipped it as a the “gem of the sun,” and it appears in materials ranging from fine parures of royal jewels to meteorite from space.  The Fuli Gemstones mine is the largest known peridot deposit in the world; in addition to unearth bright green, vivid gemstones, Fuli’s target is to be a zero-carbon mine – an industry first in colored gemstone mining and the way of the future

This is a private event for members. 

Tuesday 6th February | Gem X London:  New Year, New Friends Winter Mixer

Fewer things fend off the winter chill better than the warmth of good company, so let’s stay cozy. We hope you will mark your calendar and join us in January for a New Year, New Friends mixer with fellow members.

We’ll meet in Central London for a relaxed evening of New Year cheer. Welcome newcomers to our club, connect with old friends, and chat with the other jewelry lovers, designers, gemologists, curators, art historians, and collectors who make up our amazing membership. We’ll also introduce you to the 2024 members of our London Core, before raising a glass (or a mug of something warm) to toast to a new year of friendships.

This is a private event for members. 

Thursday 8th February | Gem X NYC: Presenting the Jewels & Drawings of René Lalique

We are delighted to invite you to discover the world of glass master and jewelry designer René Lalique with an exhibition of jewels and drawings presented at gallery A La Vieille Russie, an renowned space showcasing European & American antique jewelry plus antique Russian decorative art.

Our host for the evening will be Lalique collector and specialist, Mark Waller. A former Lalique dealer and voice of distinction, Mark is the the author of The Art of René Lalique (1988) and consulted on numerous Lalique exhibitions across Paris, Tokyo, San Francisco and Washington DC. Mark will lend his esteemed insight of this body of work – a total of 38 drawings, the largest collection outside of France – featuring the Indian ink, pencil, watercolours and gouache that brought Lalique’s incredible imagination to life.

This is a private event for members. 

Sunday 18th February | Gem X Excursions: Discover The Treasures of Palm Beach with Freeman’s Hindman Auctions

What do you envision as a treasure trove of jewels? A sapphire and diamond-encrusted starfish? Lustrous drops of precious pink coral? Have your beach-combing fantasies realised – and escape the chilling winds of winter – by meeting us in Palm Beach, Florida for brunch and an exclusive preview of the Palm Beach Jewelry Sale with Freeman’s | Hindman Auctions.

Our host for the morning is Associate Director & Senior Jewelry & Watch Specialist, and fellow jewel enthusiast April Matteini GG. Over brunch and refreshments, April will take us through a private viewing of the collection, prior to the gallery’s opening hours, featuring a curation of timeless designs including the mother-of-pearl Van Cleef & Arpels Alhambra necklace seen above, alongside rarer gem-studded relics, selected to evoke the delights of the tropics.

This is a private event for members. Please RSVP by 15th February. Please RSVP via email to assistant@gemx.club

Monday 26th February | Gem X NYC: Winter Mix & Mingle: Zodiac Night

It’s time to check your charts, align with your sign and pile on your astrological jewels. We are delighted to invite you for a zodiac-themed Gem X winter mixer. Members are encouraged to look skyward and layer up on celestial accoutrements and jewels. Better yet, invite a friend and come ready to share the story of your jewels with others. Snacks and light bites will be served, with a cash bar, to toast to another year of jewelry adventures.

This is a private event for members. RSVP HERE.

Saturday 2nd March | Gem X London: The Jewels of the Collect Art Fair

Art Fair season is upon us and we’re delighted to invite you for our annual guided tour of the jewels of Collect Art Fair at Somerset House. Collect is the leading international art fair for contemporary craft and design and this year celebrates its 20 year anniversary. 

We hope you will join us for a guided tour of the fair, hosted by experts from the team at Collect. We’ll have a look at its curated offering of jewels and meet the gallery owners and artists. This year’s exhibitors include a particularly exciting mix, such as the Siat Gallery from South Korea (showing the surrealist works of enamel jeweller Heejoo Kim, seen above), a selection of works from leading Chinese artists with BG Gallery, the debut of British collective Objects Beautiful, and a selection of artisans from the Goldsmiths Fair.

This is a private event for members. Please RSVP by 15th February. RSVP HERE 

Friday 8th March | Gem X NYC: A Gem Preview with Mayer & Watt

Feeling FOMO from missing the Tucson Gem Show? Or maybe you were there and didn’t get to spend enough time pouring over the colorful collection at Mayer & Watt. Whatever your gemstone blues might be, we are delighted to suggest a cure. Ahead of the MJSA show in NYC, you are invited to a special gemstone preview.  Join us for a most colorful cocktail hour, during which Simon and Laurie will present their latest finds, all available for purchase at wholesale prices and the opportunity to learn about the fascinating details behind their origins.

This is a private event for members. RSVP HERE 

Sunday 10th March | A Virtual Member Mixer – Meet Our Gem X Scholars & Other Members

At the heart of Gem X is the belief that jewelry is better experienced together. We’re delighted to invite you to join our first Virtual Member Mixer of the year, hosted by jewelers and Gem X Scholarship alumni Yeena Yoon and Ellis Mhairi Cameron.

Join us online for a virtual mix and mingle, in which we’ll hear more about the Gem X Scholarship, meet our past two scholars Yeena and Ellis, and learn more about their evolution as jewelers and beyond. Afterwards, we’ll have the chance to mingle virtually with other members – swapping and sharing stories with the other jewelry lovers who make up our amazing membership. 

This is a private event for members. RSVP HERE

Thursday 28th March | Gem X London:  To Infinity and Beyond: Galactic Jewels with Jacqueline Cullen

Imagine a galaxy of swirling colours and shooting stars, of colliding asteroids and comet tails, and of sparkling neon dust scattered across the night sky – all realised as wearable works of art from the finest mineral matter.

We’re delighted to invite you into the studio of Jacqueline Cullen, An extraordinary jeweler and stone carver, Jacqueline will take us through her design process – from conception to completion. She’ll share her mood boards and examples of the unusual raw materials with which she works (like enigmatic Whitby jet and speckled agate), and demonstrate how she carves and grinds her stones. The gem on top will be the opportunity to try on creations from each of her collections, including her newest work.

This is a private event for members. RSVP HERE

Monday 18th December | Gem X NYC: Craftsmanship, Curation & Cheer with Kentshire.

For our final soirée of the year, we invite to you discover the beauty and majesty of Kentshire’s fine jewels. For over 80 years – and spanning three generations of family ownership – Kentshire is regarded as one of the foremost dealers of fine antiques and period jewelry. Today the brand operates under the direction of Matthew Imberman, a New York-based dealer, with his sister Carrie, continuing their family’s legacy of sourcing and showcasing objects of enduring design and elegance.

Join Matthew and fellow members for a glass of champagne at Kentshire’s boutique on the seventh floor of Bergdorf Goodman, as he presents their exquisite selection of jewelry.

This is a private event for members. RSVP HERE.

SATURDAY, October 7th | Gem X London: A Bejewelled Homecoming with Polly Wales

We hope you can join us for a dazzling afternoon as we welcome the British jewellery designer Polly Wales back to London with a private conversation about her creative process, cocktails and the opportunity to try on her “cast-not-set” jewellery.

This is a private event for Gem X members. Please RSVP HERE.

TUESDAY, October 10th | Gem X NYC: Sparkly & Sweet: A Gem Preview with Jean-Noel Soni

What’s sweeter than the chance to preview the newest gems cut by the talented California-based lapidary Jean-Noel Soni (@topnotchfaceting)? How about a private gem viewing with a side of delicious treats made by Miolin Bakery. Join Gem X as we welcome Jean-Noel to New York City, bringing a bag full of new treasures. “For NYC, I’ve put together a curation of jewels that will show the connection between organic geometry and the individuality of each crystal. Drawing inspiration from Art Nouveau ideals, this collection pays homage to natural form and movement,” Jean-Noel says of his latest work.


THURSDAY, September 28th: Gem X London: A Visit to Theo Fennell

Join us for an extraordinary journey into the world of craftsmanship and creativity at Theo Fennell‘s Workshop, led by the visionary himself, TheoFennell. With over four decades of dedication to originality, beauty, and handcrafted jewellery and silverware, Theo Fennell stands as an icon in design, blending British traditions with cutting-edge techniques.

In this exclusive visit, witness the meticulous craftsmanship that defines each Theo Fennell creation, as Theo himself guides you through the brands creative process, inspired by the rich tapestry of British culture.

The event will take place in the evening on Thursday, September 28th at 2 Garrison Square. RSVPs may be placed below for this private event for members of Gem X. We are very much looking forward to it and hope to see you in the saleroom. 

Please RSVP HERE to reserve your spot.

THURSDAY, October 12th | Gem X NYC: Heritage Jewels with Broken English Jewelry

Nestled downtown on a cobblestoned, bustling block of Crosby Street, Broken English beckons to jewelry-lovers to enter and experience its new home.  We are answering that call. You are invited to step into Laura’s world for a special evening on heritage jewels with David Webb’s Head of Archives & Brand Heritage and Gem X Core member, Levi Higgs (@Levi_higgs).  Over drinks and light bites, Laura and Levi will guide us through a discussion around curating, collecting, and craftsmanship, with a spotlight on the David Webb jewels in the showroom. Reservations are taken on a first-come first-served basis. 

This is a private event for Gem X members.  Please RSVP HERE

WEDNESDAY, September 20th: Gem X NYC: The Art of Indian Enameling with IVAR Jewelry

Enamel coloring on jewelry is an ancient practice, known as Meenakari, brought to India by the Mughals in the sixteenth century. Inventively blending traditional Indian craftsmanship with a contemporary design perspective. IVAR designer Ritika Ravi is an expert at this art form, which she commonly uses in her designs to create modern heritage pieces.  “I am really looking forward to sharing the lacquer enamel technique with my guests. I am passionate about color and this process allows me to play with layers of pigmented resin to get the exact vibrant hue and shine that I want to give the piece,”  Ritka shared with us ahead of this event.  On September 20th, you are invited into the chic, private boutique of IVAR Jewelry on the UES to see a demonstration and hear more about Meenakari.

The original technique consists of fusing powdered glass into a metal that is then cured by baking in a kiln. Modern practice favors lacquer -or cold -enamel for detail work as this allows the jeweler to experiment with more intense and varied colors.  Over cocktails and light bites, Ritka will bring this traditional art form to life and share her love for jewelry making with us. Reservations are taken on a first-come first-served basis.

Please RSVP HERE to reserve your spot. We hope to see you for this special event!


A turn-of-the-century Chaumet diamond necklace inspired by an Austrian Archduchess. A rare 1930’s Maltese cuff bangle designed by Verdura for Chanel. A Grima necklace circa 1985 set with a boulder opal. Head of Jewellery UK, Emily Barber brings together a selection of highlights from the London Jewels sales at Bonhams. Join us for an evening filled with jewelry of historical significance and unmatched beauty.

The event will take place in the evening on Monday, September 18th at Bonhams. RSVPs may be placed below for this private event for members of Gem X. A special thanks to our dear member and fellow jewellery lover Francesca O’Neill, who came up with the idea for this event. We are very much looking forward to it and hope to see you in the saleroom. RSVP HERE


Emeralds, Rubies and Diamonds, oh my! Join us for a night at the NYC Ballet for the most bedazzling of shows. Jewels is unique – a work in three parts choreographed by George Balanchine, had a forerunner in the first production of Balanchine’s Symphony in C at the Paris Opera in 1947. In it, each movement of the ballet, then called Le Palais de Cristal, was costumed in a different jewel color. Emeralds moves at Fauré’s mesmerizing pace, while Rubies races like lightning through Stravinsky’s jazz-inflected capriccio. With its symphonic Tschaikovsky score, Diamonds venerates the regality of Balanchine’s classical heritage.

After being inspired by a visit to famed jewelers Van Cleef and Arpels, Balanchine took up this concept again and selected emeralds, rubies, and diamonds for his parure, having also considered pearls and sapphires. At the show’s finale on September 24th, Principal Dancer Russell Janzen will take his final bow on the New York City Ballet stage.

We have a limited number of Orchestra tickets to the finale performance on September 24th at 3pm, priced at $180 per ticket. Headcount is extremely limited so please RSVP below. Reservations are taken on a first-come first-served basis. We hope to see you at this special event. RSVP HERE

In person events require reservation fees.  These fees go to cover our administrative costs to organize the event, and arranging for a thank you gift for our host. In planning our in-person events, we are carefully following CDC & NHS guidelines, and ask that you do the same. If we work together, we can help ensure the safety of ourselves and everyone around us. Thank you.

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Gem X Core Collection | Terms and Conditions

1. DEFINITIONS: “Gem X” refers to Gem X LLC, who has lent a given piece of jewelry to Customer. “Jewelry” refers to any piece of jewelry identified above that is being lent to Customer by Gem X on memo for a period not to exceed six weeks. “Loan Period” refers to the period of time which Gem X agrees to lend the Jewelry to Customer.

2. APPLICABILITY: These Terms and Conditions govern and apply to a one year membership in the Gem X Core Collection Program. Customer agrees that by accepting these Terms and Conditions, Gem X is authorized to charge Customer’s credit Card on file the full price of a one year membership. Customer further agrees that by accepting these Terms and Conditions, Customer’s membership in the Gem X Core Collection program will automatically renew one year from the expiration of the term of membership, and Customer’s credit card will be charged for each annual membership renewal. Customer acknowledges that should Customer seek to cancel Customer’s membership at any time during each one year membership term, Customer will not be entitled to any refund for any portion of the one year membership term prior to which the Customer cancelled membership. Customer agrees that Customer may only avoid an automatic membership renewal (and corresponding credit card charge) by canceling Customer’s membership in writing via email to members@gemx.club at least 24 hours prior to the expiration of the term of Customer’s one year Gem X Core Collection Program membership. Nothing herein shall be construed as implying any obligation on Gem X’s part to continue or cancel Customer’s membership at any time. Gem X reserves the right to cancel Customer’s membership in the Gem X Core Collection Program, and further reserves the right to decline to renew Customer’s membership in the Gem X Core Collection Program, for any reason including but not limited to a violation of any of these Terms and Conditions.

3. AUTHORITY TO SIGN: Any individual signing below, via Docusign or by clicking a check-box acknowledging acceptance of these Terms and Conditions, represents and warrants that he or she is of legal age and has the authority and powder to sign below or check the box accepting these Terms and Conditions, either on his or her own behalf or on behalf of the Customer.

4. CORE COLLECTION AGREEMENT: Customer agrees that by signing below, via Docusign or by clicking a check-box acknowledging acceptance of these Terms and Conditions, Customer shall be part of the Gem X Core Collection program, in which Gem X shall, in Gem X’s sole discretion, lend Customer on memo one or more pieces of Jewelry to be selected by Gem X for a period not to exceed six (6) weeks. At the end of the Loan Period, Customer agrees that it shall ship the Jewelry back to Gem X via the pre-printed Federal Express label to be e-mailed to Customer by Gem X.

5. INSPECTION: Customer acknowledges that Customer has inspected the Jewelry upon taking possession thereof, finds it in good and undamaged condition, with no damaged or missing stones or components, and finds it suitable for Customer’s needs. To the extent that Customer finds the Jewelry to have any damage, or damaged or missing stones or components whatsoever upon receipt of the Jewelry, Customer shall promptly notify Gem X of any damage to the Jewelry, or damaged or missing stones or components, within one (1) business day of receipt. Notice shall be provided to Customer via email, and shall include photographs of any damage to the Jewelry, and/or damaged or missing stones or components. Customer further acknowledges and agrees that should Customer fail to notify Gem X of any damage to the Jewelry, or damaged or missing stones or components, within one (1) business day of receipt of the Jewelry: (a) Customer waives any claim that the Jewelry arrived with any damage whatsoever; (b) Customer will be responsible for reimbursing Gem X for any damage to the Jewelry, or damaged or missing stones or components, as further described in paragraph 5.

6. RETURN OF JEWELRY/CUSTOMER RESPONSIBLE FOR ANY DAMAGE: At the expiration of the Loan Period, Customer shall return the Jewelry as specified in paragraph 3. Upon receipt of the Jewelry by Gem X, Gem X shall inspect the Jewelry for any damage to the Jewelry and damaged or missing stones or components. Should Gem X determine, in its sole discretion, that there is any damage to the Jewelry, or that there are any damaged or missing stones or components, or that the Jewelry has been tampered with in any way such that it is not in the condition that it was in at the commencement of the Loan Period, Gem X shall notify Customer in writing within ten (10) business days of receipt of the Jewelry. Gem X shall make any repairs and/or replace any damaged or missing stones at its sole discretion, and shall invoice Customer in writing for the full cost of said repairs within ten (10) business days of such repairs being made. Customer hereby agrees and consents that Gem X may charge Customer’s credit card on file within two (2) days of Gem X sending the above Invoice without further notice to Customer. Customer further agrees and acknowledges that, should Customer fail to return the Jewelry within five (5) business days of the expiration of the Loan Period, Gem X may invoice Customer for the full replacement cost of the Jewelry, and may charge Customer’s credit card of file within two (2) days of Gem X sending the above Invoice without further notice to Customer.

7. TITLE/NO PURCHASE OPTION/NO LIENS: These Terms and Conditions do not constitute a contract of sale, and title to the Jewelry shall at all times remain with Gem X. Gem X may offer Customer the option to purchase the Jewelry in Gem X’s sole discretion, but any such purchase of the Jewelry by Customer shall be the subject of a further contract or agreement. Customer shall keep the Jewelry free and clear of all liens and encumbrances, and under no circumstances shall Customer use the Jewelry as collateral or security for any type of loan whatsoever. Customer shall not lease, assign, loan, or rent the Jewelry to any individual or entity.

8. ENTIRE AGREEMENT/ONLY AGREEMENT: These Terms and Conditions shall constitute the entire agreement between Gem X and Customer, and shall supersede all prior agreements, understandings and negotiations between Gem X and Customer with respect to the subject matter hereof. Any modifications to these Terms and Conditions must be made in writing and signed by Gem X and Customer.

9. NON-WAIVER: Any failure of Gem X to insist on strict performance by Customer or any of these Terms and Conditions shall not be construed as a waiver of Gem X’s right to demand strict compliance.

10. HEADINGS FOR CONVENIENCE ONLY: Headings of any paragraph or provision in these Terms and Conditions are for convenience and organization only. Headings shall not affect the meaning of any provisions of these Terms and Conditions.

11. NO CONSTRUCTION AGAINST DRAFTER: Customer acknowledges that he or she has read these Terms and Conditions, and has agreed to all of the terms hereunder. Customer further agrees that any ambiguity in any of these Terms and Conditions shall not be construed against Gem X on the basis that Gem X authored the same.

12. SEVERABILITY: If any part or sub-part of these Terms and Conditions is deemed or held invalid or unenforceable by a court of law or competent arbitrator, the remaining Terms and Conditions will be enforced to the maximum extent possible. In such circumstances, the remainder of these Terms and Conditions shall continue in full force.

13. JURISDICTION/COSTS: Gem X and Customer agree that New York law shall govern any matter or dispute relating to or arising out of this Agreement, as well as any dispute of any kind that may arise between Gem X and Customer. In the event litigation is initiated, Gem X and Customer agree to submit to the personal jurisdiction of the state and federal courts of the following county: New York, New York. Gem X and Customer agree that this choice of law, venue, and jurisdiction provision is not permissive, but rather mandatory in nature. Customer agrees to pay all reasonable costs of collection, court, attorney’s fees, and other expenses incurred by Gem X in the collection of any charges due under these Terms and Conditions or in connection with the enforcement of these Terms and Conditions.

14. ELECTRONIC SIGNATURES/CHECK BOXES: Customer agrees that execution and/or acceptance of these Terms and Conditions via Docusign, by clicking a check-box below, or via other electronic means, has the same force and effect as signing in ink.

15. CRIMINAL WARNING: Failure to return the Jewelry at the end of the Loan Period may be considered theft subject to criminal prosecution pursuant to the applicable penal or penal code provisions.