Question

is the group of words in bold a phrase or a clause?
the appliance stores policy allows returns for thirty days; however, refunds require a receipt.
phrase clause
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Explanation:

A clause has a subject and a predicate (verb + what the subject does/relates to). The bolded group "allows returns for thirty days" has the subject (implied from context, or the policy's action) and a verb "allows", making it a clause. A phrase lacks a subject - predicate structure.

Answer:

clause