Terms of Use: SWCreations jewelry gift certificates are non-refundable and cannot be returned for cash or check. These gift certificates can be redeemed for items of equal or lesser value. Any remaining balance will be good for one year from the date the certificate was purchased. If the balance in your cart exceeds the value of the gift certificate you may pay the remainder by using Visa, MasterCard, American Express, Discover, or PayPal. We are not responsible for lost or stolen gift certificates.