Our verdict
A personalized-jewelry brand from the company behind theo grace, rated 4.4 on Trustpilot — but BBB gives it a D+ with 103 complaints, and its pages disagree on whether personalized pieces can come back.
Visit Oak & LunaThe bottom line. Oak & Luna is run by House of Brands LLC in Delaware3, the same company as theo grace4, with its pieces made outside the US5. Its warranty policy promises two years, though an older help page still says 6 months for silver and plated pieces1,6; it takes cards, PayPal, Apple Pay and Klarna7, and uses only lab-grown diamonds, listed with carat weight, clarity and color8,9. Trustpilot shows 4.4 from about 11,000 reviews10. It scores in the middle because BBB rates it D+ with 103 complaints11, the return policy says personalized pieces can’t be returned while the help center says they can be exchanged or credited2,12, you pay return shipping and may be charged a processing fee2, risk passes to you on delivery2, and one solid-gold diamond page doesn’t say the diamond is lab-grown13.
What we like
Watch out for
- BBB: D+ with 103 complaints11
- Its pages disagree on the warranty: two years in the policy, 6 months for silver and plated pieces on an older help page1,6
- Personalized pieces: ‘not eligible for return’ in the policy, ‘exchange or store credit’ in the help center2,12
- Return shipping on you, plus a possible processing fee; refund or credit at the company’s choice2
- No phone on the site; risk of loss passes to you on delivery2,3,5,12
- A solid-gold diamond page doesn’t say ‘lab-grown’13
On this page
At a glanceTrust Score breakdownWho is behind Oak & LunaHow to reach Oak & LunaReturns & cancellationsShipping & deliveryWarranty & resizingWhat Oak & Luna sells & what it costsPaymentWhat customers sayOak & Luna FAQUpdate historySourcesOther stores we’ve checked
Oak & Luna policies at a glance
| Return window | 30 days from delivery (non-personalized items)2 |
|---|---|
| Return shipping | Paid by you; a processing fee may apply2 |
| Can't be returned | Personalized pieces (the help center says exchange or credit)2,12 |
| Refund | Refund within 14 business days or store credit, at the company's choice2 |
| Warranty | 2 years in the policy; 6 months for silver and plated pieces on an older help page1,6 |
| Resizing | Free only with the paid 5-year extended warranty1 |
| Shipping | Free option; protection optional and paid; made outside the US2,5 |
| Payment | Cards, PayPal, Apple Pay, Klarna7 |
| Company named on the site | Yes: House of Brands LLC (Delaware), also behind theo grace3 |
How Oak & Luna scores
| Identity & transparency | 15 / 20 Delaware address published; Email and live chat, no phone on the site; Domain registered in 2018; House of Brands LLC named; No owners or managers named |
| Purchase protection | 10 / 25 30 days; Buyer pays return shipping; Processing fee possible; store credit at the company's choice; Policy and help center disagree on personalized items; Personalized pieces, i.e. most of the range, excluded; Free option; protection only as a paid option; Handled with the carrier; risk passes on delivery |
| Warranty & aftercare | 2 / 15 2 years in the policy, but 6 months for silver and plated pieces on an older help page — scored on the shorter; No free maintenance; Free only with a paid plan (an older help page promises one free resize); Typical exclusions |
| Product transparency | 9 / 13 Accent diamonds: total weight and quality stated; Metals named; plating thickness not; Lab-grown stated on some product pages, not all; Only small accent diamonds (doesn't apply); Lab-grown-only diamond policy published |
| Payment safety | 8 / 10 Cards and PayPal; Klarna; Card processor not named |
| Reputation | 7 / 15 4.4 from about 11,000 reviews; Online-only: scored on Trustpilot, 4.4; D+, 103 complaints; Recurring customer-service complaints |
Not scored because they don't apply to Oak & Luna: appraisal. The other 98 points are scaled to 100 (51 of 98). We are still confirming Oak & Luna's Trustpilot score and its BBB complaint record; the score will be updated when that's done.
The same rules apply to every store. How the Trust Score works
Who is behind Oak & Luna
Oak & Luna’s Terms name House of Brands LLC, at an address in Wilmington, Delaware3, under Delaware law14 — the same company and address that theo grace’s Terms name4; theo grace is the brand formerly called MYKA. Its domain dates from 201815, its pieces are made outside the US5, and BBB lists it as an online retailer in Odessa, Florida11. No owners or managers are named3,16.
All details we checked
| Company | House of Brands LLC — the same company that runs theo grace (formerly MYKA)3 |
|---|---|
| Sister brand | theo grace's Terms name the same company and address4 |
| Governing law | Delaware14 |
| Domain registered | March 8, 201815 |
| Where it's made | Outside the US; parcels routed via Europe5 |
| US listing (BBB) | BBB lists Oak & Luna as an online retailer in Odessa, Florida, with phone (877) 655-393511 |
| Owners or managers | Not named3,16 |
How to reach Oak & Luna
Support is by email14 and live chat with a virtual assistant17; there’s no phone number on the site2,3,5,12, though BBB lists one11.
All details we checked
| [email protected]14 | |
| Chat | Live chat and a virtual assistant (named in the Privacy Policy)17 |
| Phone | None on the site2,3,5,12 |
Returns & cancellations
Unused items in their original packaging can be returned within 30 days of delivery2. For personalized pieces the pages disagree: the return policy says they can’t be returned unless defective2, while the help center says they can be returned for an exchange or store credit12 — count on the stricter policy. You pay return shipping and may be charged a processing fee2, and the company decides whether to repair, replace, refund within 14 business days or give store credit2. Changes and cancellations must be requested within two hours2.
All details we checked
| Return window | 30 days from delivery, unused and in original packaging2 |
|---|---|
| Personalized pieces (policy) | Not returnable unless defective2 |
| Personalized pieces (help center) | 'Can either be returned for exchange or store credit'12 |
| Return costs | You pay shipping; a processing fee may apply2 |
| Refund | At the company's discretion: repair, replacement, refund within 14 business days, or store credit2 |
| Cancellation | Ask within 2 hours of ordering2 |
Shipping & delivery
There’s a free shipping option and paid faster ones5. Risk of loss passes to you on delivery; for lost or damaged parcels the company works with the carrier, and shipping protection is an optional extra2.
All details we checked
| Shipping | A free shipping option, plus paid expedited and express5 |
|---|---|
| Risk of loss | Passes to you on delivery; lost parcels handled with the carrier; shipping protection is an optional extra2 |
Warranty & resizing
The warranty covers defects in materials and workmanship for two years1, but not normal wear — including scratches and fading — or loss and theft1. Free resizing comes only with the five-year extended warranty you pay for at checkout1. There’s no free maintenance1,2,12.
An older help-center page that’s still live on oakandluna.com says silver, gold-plated and rose-gold-plated pieces are covered for 6 months, and that a 1-year warranty on gold and diamond pieces has to be bought6; the same page promises one free resize if the size is wrong6. The warranty policy says two years1, and free resizing only with the paid five-year plan1. Our rules score the terms that are worse for the buyer, so the warranty counts as under a year for most of the range.
All details we checked
| Warranty | 2 years against defects in materials and workmanship1 |
|---|---|
| Not covered | Normal wear including scratches and fading; loss or theft1 |
| Resizing | Free only under the paid 5-year extended warranty1 |
| Free maintenance | Not offered1,2,12 |
| Warranty on an older help-center page | 6 months on silver and gold-plated pieces; a 1-year warranty on gold and diamond pieces has to be bought6 |
| Resizing on the same older page | One free resize if the ring size is wrong6 |
What Oak & Luna sells & what it costs
The US sitemap lists 1,355 products18 in gold vermeil, solid gold, sterling silver and stainless steel, without a plating thickness9. Oak & Luna says it has used only lab-grown diamonds since 20228, and its product pages give total carat weight, clarity and color — 0.16 ct VS G-H on vermeil earrings9, 0.3 ct VS on a 10k gold stud13 — but the 10k gold stud’s page doesn’t say the diamond is lab-grown13. The site says US prices are in dollars7, but it showed our reader euros: €63 to €380 for the 16 pieces we sampled18. Packaging is recycled8.
All details we checked
| Product pages in the US sitemap | 1,35518 |
|---|---|
| Metals | Gold vermeil, 10k–14k solid gold, sterling silver, stainless steel; no plating thickness9 |
| Diamonds | All lab-grown since 20228 |
| Diamond details (vermeil earrings) | 0.16 ct total, VS, G-H; lab-grown explained on the page9 |
| Diamond details (10k gold stud) | 0.3 ct total, VS, G-H — the page doesn't say 'lab-grown'13 |
| Lab-grown wording on that page | Missing13 |
| Currency for the US | 'All prices listed on site are in USD'7 |
| Prices in our sample (shown to us in euros) | €63–€380 for the 16 we sampled; the site says US prices are in dollars18 |
| Packaging | 100% recycled8 |
Payment
Oak & Luna takes major cards, Apple Pay, PayPal and Klarna’s four interest-free payments7; card details aren’t processed on its servers, but the processor isn’t named7.
All details we checked
| Payment methods | Cards, Apple Pay, PayPal, Klarna7 |
|---|---|
| Card processing | Not on its servers; processor not named7 |
What customers say
Trustpilot shows 4.4 from about 11,000 reviews10. BBB tells a different story: a D+ rating, with 103 complaints filed and a reviewer saying she emailed customer service 14 times11. On Reddit, a thread titled ‘Oak and Luna is trash’ has a reply calling plated jewelry trash by definition19.
All details we checked
| Trustpilot | 4.4 ('Excellent') from about 11,000 reviews10 |
|---|---|
| BBB | D+, with 103 complaints; a reviewer says she emailed 14 times11 |
| Reddit: 'Oak and Luna is trash' (r/jewelry) | A reply calls plated jewelry 'trash' by definition19 |
Official social profiles
Linked from Oak & Luna’s own website, so these are the brand’s real accounts.
Alternatives to Oak & Luna
- MYKA (theo grace) — Sister brand from the same company, with a 5-year warranty included on diamond pieces
- Jewlr — Personalized jewelry with 99-day returns, engraved items included
Oak & Luna FAQ
Is Oak & Luna legit?
It’s a real company — House of Brands LLC, which also runs theo grace3,4 — with 4.4 stars from about 11,000 Trustpilot reviews10. BBB, though, rates it D+ with 103 complaints11, and personalized pieces can’t be returned under its policy2.
Does Oak & Luna use real diamonds?
Yes, lab-grown ones — it says it has used only lab-grown diamonds since 20228 — listed with carat weight, clarity and color9.
Does Oak & Luna sell real gold?
Some pieces are solid 10k or 14k gold; many are gold vermeil, sterling silver or stainless steel9,13.
What is Oak & Luna's warranty?
Its warranty policy says two years against defects in materials and workmanship1, but an older help page that’s still live says 6 months for silver and gold-plated pieces6. Normal wear, fading, loss and theft aren’t covered1, and a paid five-year plan adds free resizing1.
Does Oak & Luna ship from Israel?
Its shipping page says only that its manufacturing facilities are outside the US and parcels route through Europe5.
Oak & Luna or theo grace?
They’re run by the same company, House of Brands LLC3,4, with nearly identical return and warranty policies; theo grace includes the five-year warranty on diamond pieces, Oak & Luna sells it as an extra1.
How we score stores
The Trust Score adds up 100 points across six areas: identity & transparency (20), purchase protection (25), warranty & aftercare (15), product transparency (15), payment safety (10), reputation (15). Every point is tied to a fact we can link to, and the rules are the same for every store. Read the full methodology.
90+ Excellent · 75–89 Trustworthy · 60–74 Mostly reliable · below 60 Proceed with caution. Ratings from other platforms are summarized in our own words with a link; we don’t copy reviews.
Update history
- Oct 30, 2026 — Added an older help-center page on oakandluna.com that gives silver and gold-plated pieces a 6-month warranty instead of two years; under our rules the shorter term is scored.
- Oct 29, 2026 — First published, before our editor’s review. Every fact checked against Oak & Luna's pages as they read that day.
Researched and written by the Trusted Jewelries team. Every fact is checked against its source by our software. Our editor, Valentina Di Roberto, hasn’t reviewed this Trust Check yet; once that’s done, the editor’s name and the review date will appear here. Stores can’t pay for a review or a score. Found a mistake or a policy that has changed? Tell us and we’ll correct it.
Sources
All pages were read on Oct 30, 2026. Store policies change — check the store’s current terms before you buy.
- Oak & Luna — Warranty – Oak & Luna
- Oak & Luna — Shipping, Returns, and Refund Policy – Oak & Luna®
- Oak & Luna — Terms and Conditions – Oak & Luna
- https://www.theograce.com/articles/terms-of-service
- Oak & Luna — Shipping costs and times – Oak & Luna
- Oak & Luna — Worldwide Shipping – Oak & Luna
- Oak & Luna — Payment Policy – Oak & Luna
- Oak & Luna — Oak and Luna Sustainability challenges
- Oak & Luna — product page: Statement Wave Stud Earrings with Diamonds – Gold Vermeil – Oak & Luna
- uk.trustpilot.com: Oak & Luna Reviews | Read Customer Service … — Google result snippet, Oct 30, 2026
- bbb.org: Oak & Luna | BBB Business Profile — Google result snippet, Oct 30, 2026
- Oak & Luna — Customer Care and Help Center – Oak & Luna
- Oak & Luna — product page: Mimosa Short Tassel Stud with 0.3 CT Diamond – 10k Solid Gold – Oak & Luna
- Oak & Luna — Key Club Program Terms and Conditions – Oak & Luna®
- Domain registration record (RDAP)
- Oak & Luna — About Us – Oak & Luna
- Oak & Luna — Privacy policy – Oak & Luna®
- Oak & Luna product pages, sample of 16 (prices as served to our non-US reader, in euros), and its US sitemap
- reddit.com: Oak and Luna is trash : r/jewelry — Google result snippet, Oct 30, 2026