Hi Theresa. I would look at it as two separate things.
and it walks you through a series of questions to generate the text you need.
2) Terms of service. This is about your visitors making a purchase and what they should expect. For example ... any guarantees, return policies, shipping terms, credit card refunds, etc. For this one, I would search google or another search engine for [jewelry and terms of service]. Get an idea what others are doing, then customize one for your site based on your purchasing policies.