What is the ruling regarding the deferred dowry and the jewelry (wedding set) in the event of separation of the spouses before consummation, knowing that they were agreed upon?

If a marriage contract has been concluded and the husband wishes to divorce before consummation, there is no harm in that. In this case, there is no waiting period ('iddah) for the divorced woman, as Allah the Almighty says: "O you who have believed, when you marry believing women and then divorce them before you have touched them, then there is not for you any 'iddah to count concerning them. So provide for them and give them a gracious release."

The woman possesses the mahr (dower) immediately upon the conclusion of the contract. In the event of divorce before consummation, the mahr is halved between the spouses, both the upfront and deferred portions, as Allah the Almighty says: "And if you divorce them before you have touched them and you have already specified for them an obligation [of mahr], then [give them] half of what you specified, unless they [the women] forgo it or he in whose hand is the marriage contract [the husband] forgives it. And that you forgo it is nearer to righteousness. And do not forget graciousness between you." It is recommended to forgo the required half.

As for a valid private seclusion (khalwah sahīḥah) between the spouses, it holds the same ruling as consummation according to the preponderant opinion. Thus, the wife is entitled to all the rights established for a woman with whom consummation has occurred. She is entitled to the full mahr, must observe the 'iddah if divorced, and is entitled to maintenance from the time of seclusion until the end of her 'iddah.

As for maintenance if he has not consummated the marriage nor had a private seclusion with her, it is not obligatory unless the wife is of an age suitable for marital relations and has submitted herself and enabled the husband to consummate the marriage. In that case, maintenance becomes obligatory from the time of enablement.

Regarding the gold jewelry (shabkah): If it is customarily understood to be part of the mahr, then it is halved. If it is a gift and not part of the mahr, then it all belongs to the wife in the case of half the mahr or the full mahr being established.