No. 14 karat gold will not tarnish.
use luke warm water with a bit of dish washing liquid and maybe a squirt ammoniaand a soft/old toothbrush and brush the ring gently. Rinse with clear water and polish with lint-free cloth.
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Yes, because it is still plated jewelry. It is gold plating over silver which means the gold will eventually wear off and the silver will come through. Gold over silver is costume jewelry; not fine jewelry such as solid 14kt or 18kt gold. Even fine jewelry is not pure gold and is mixed a bit with silver because solid gold is too soft to wear well.
If you treat your gold over silver well it can stay pretty a long time. It is best not to get it wet or sweat it in while exercising. Body acids from sweating can ruin a beautiful costume piece in one wear. Gold over silver is best worn for only short periods of time when you want to dazzle but will not be exposing it to things that will wear the plating off. It is not built to withstand extended wear, but can be beautiful gently worn and tenderly cared for. Store it in a cool, dry place when not in use. Even shower steam can wear it down fast.
Gold over Sterling, also known as Vermeil will not tarnish unless the silver is exposed by wear.
It can be scratched quite easily though.
The bond that gold achieves with silver is much stronger than other 'gold plated/filled' items and is usually applied in a thicker layer.