Your jewelry was made to last and will if treated appropriately. This means please avoid submerging your jewelry in water, especialy if it contains a stone. Avoid exercising, applying lotions, using household cleaners, and sleeping with your jewelry on. Any of these activities can damage and tarnish your jewelry.
Polishing cloths can be found online or at any reputable jeweler and are a much safer way to clean your jewelry than the liquid varieties.