X.O Fine Jewellery does permit layaways. Articles placed on layaway will be held for a period of 90 days from the date of this receipt. If payments are not made in a timely manner, and no satisfactory arrangements have been otherwise agreed to, the item(s) will be returned to stock. The original deposit and subsequent payments received will be applied to a store credit. Store credits can be used toward the purchase of other merchandise or services. All custom and special orders are subject to forfeiture of original deposit and payments received.

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The layaway agreement will specify the balance due after the initial deposit, the date(s) future payment(s) are due, and the date that the final payment is due by. Deposit amounts vary per jewellery item.