You will get more life out of your jewelry by taking proper care of your pieces. All materials are different; depending on how often you wear your jewelry, how you store it, and what environmental elements it is exposed to will have an impact on its durability. Solid gold, gold filled, and stainless steel should not tarnish (although not impossible unless it is 24K solid gold) and can withstand more "wear and tear." Other materials like gold plating and gold vermeil should be treated with extra care because they are more delicate. Sterling silver may tarnish over time but can be polished to restore the original shine.
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We recommend removing your jewelry when you are in water (i.e. showering or swimming) and doing physical activities when you will be sweating. Be mindful of lotions, hair products and perfumes. Be careful with cleaning products near your jewelry as well.