Is the group of words in bold a phrase or a clause?

Question

The appliance store's policy allows returns for thirty days; however, refunds require a receipt.

Answer 1

The group of words in bold, "returns for thirty days," is a phrase. A phrase is a group of words that does not contain a subject and a verb, while a clause contains both. In this case, "returns for thirty days" does not contain a subject and a verb; therefore, it is classified as a phrase.