Remove jewelry during physical activities (exercising, gardening, hiking, swimming, household chores, etc.) I would also recommend to remove jewelry while sleeping. 

Remove jewelry when using chemicals: shampoos, harsh soaps, lotions, makeup, hairspray, hand sanitizers, etc. Always put jewelry on last, after your hair and makeup routine, as the last finishing touch. 

Moisture and sunlight can cause tarnishing. Take off your piece when showering, bathing, swimming or sunbathing.