is the group of words in bold a phrase or a clause? the appliance stores policy allows returns for thirty…

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
Answer
Brief Explanations:
A clause has a subject and a verb. "allows" is a verb and "The appliance store's policy" is the subject. So it's a clause.
Answer:
clause