If my diamond is not certified is it of lower quality or lower value than a certified stone?

Yes and no. Any diamond can be certified, even those of poor quality. Having a low quality stone certified does not increase its quality at all. Likewise, certifying a high quality stone does not make it any better. However, because the certification process costs money and certified stones are more desirable on the open market, a certified stone is more valuable than a stone of the exact same quality that does not have a certificate.
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