Over $139.9 million USD sent to artisans so far!

Artisan Subscription Box

Skip to main content

Nah-vi-ca? Noh-vi-ca? How do you say it?

Your cart is currently empty

Account
- Welcome!
  
  Sign in Create account
- Dashboard
- My Orders
- My Rewards
- Credit Summary
- My Reviews
- My Artists
Lists
- New Wishlist
Ship to USD EN

Ultimate Gift Guide
Jewelry
- All Jewelry
- Women's Jewelry
  - All Women's Jewelry
  - Earrings
  - Bracelets
  - Necklaces
  - Rings
  - Jewelry Sets
  - Anklets
  - Pendants
  - Brooches
  - Toe Rings
  - Ear Cuffs
  - Jewelry Storage
- Men's Jewelry
- Materials
  - Silver
  - Gold
  - Leather
  - Beads
  - Wood
  - Bone
- Collections
- Popular & New
  - New Arrivals
Fashion
- All Fashion
- Women's Clothing
  - All Women's Clothing
  - Sweaters
  - Blouses
  - Ponchos
  - Tunics
  - Dresses
  - Pants
  - Robes
  - Skirts
  - Wraps & Ruanas
  - Jackets & Coats
- Women's Accessories
  - All Women's Accessories
  - Belts
  - Gloves
  - Hats
  - Scarves
  - Shawls
  - Fans
- Men's Fashion
- Handbags
- Seasonal Collections
  - Spring Fashion
  - Fashion New Arrivals
Home
- All Home
- Home Accessories
- Home Furnishings
- Kitchen and Dining
- Decor Collections
- Special Collections
  - Spring Home Decor
  - The World Peace Project
Paintings
- All Paintings
- Discipline
- Subject Matter
- Color Themes
- Special Collections
  - The World Peace Project
Clean Beauty
New
Causes
Regions
- The Andes
- Armenia
- Bali & Java
- Brazil
- Central America
- Costa Rica
- India
- Ireland
- Mexico
- Silk Road
- Thailand
- West Africa
Sale

Our Mission
- Explore, Empower, Impact
- Our Mission
- Our Values
- Our Story
- NOVICA & Fair Trade
- Happiness Projects
Catalog
Blog
Artisan Subscription Box
Help
- Call 1-877-266-8422
- FAQ
- Order Tracking
- Returns
- Contact us

statement rings

133 items

Refine

Refine

Refine your results

Category

Category

Jewelry (133)

Theme

Theme

Gemstone (74)
Birthstone (62)
Balinese Traditional Silver (28)
Modern (20)
Animal Themed (16)
Leaf and Tree (12)
Bohemian (11)
Geometric (11)
Floral (9)
Bollywood (2)
Cross (2)
Halloween (2)
Nature (2)
Religious (2)
Skull (2)
Spiritual (2)
Traditional (2)
Abstract (1)
Bridal (1)
Christian (1)
Cultural (1)
Heart (1)
Inspirational (1)
Peace (1)

Style

Style

Cocktail (94)
Single Stone (31)
Band (19)
Multi-Stone (17)
Wrap (9)
Solitaire (4)
Domed (3)
Stacking (2)
Locket (1)
Meditation Spinner (1)
Pave (1)
Signet (1)

Material

Material

Silver (123)
Sterling Silver (123)
Gold (13)
Gold Plated (8)
Gold Accent (5)
Rhodium Plated (4)
Bone (2)
Brass (1)
Ebony Wood (1)
Rose Gold (1)
Wood (1)

Gemstone

Gemstone

Color

Color

Blue (9)
Purple (6)
Green (4)
Clear (3)
Multicolor (3)
Yellow (3)
Red (2)
White (2)
Brown (1)
Silver Tone (1)

Ring Size: 11

Ring Size: 11

5
6
7
7.5
8
9
10
12
13
14

View Other Ring Sizes

Region

Region

Bali and Java (67)
India (55)
Central America (9)
Andes (1)
Armenia (1)

Price

Price

$20 - $40 (24)
$40 - $60 (44)
$60 - $100 (51)
$100 - $200 (14)

Related Categories

amethyst cocktail rings
silver cocktail rings
silver single stone rings
rhodium plated rings
sterling silver cocktail rings
labradorite gemstone rings

Unique Finds

birthstone rings
gem stone rings
amazonite rings
beaded rings
celtic ring
cluster rings

Sort Most popular

Sort

Most popular
Price: low to high
Price: high to low
Newest arrivals

Ultraviolet Rhodium-Plated Sterling Silver Amethyst Cocktail Ring

US Ring Size: 5,6,7,8,9,10,11

Sehal Agarwal

(35)

Dazzling purple mingles with cool silver in this gorgeous cocktail ring designed by India's Sehal Agarwal. The artisan crafts the ring from a faceted amethyst gemstone in a pretty prong setting, while a rhodium-plated sterling silver band in a hammered finish gives the ring texture and detail.

$39 Wholesale

$39
Bestseller

Scarlet Tendrils Handcrafted Silver Statement Cocktail Ring with 8 Garnets

US Ring Size: 5,7

Shubhra Singh

(205)

Sterling tendrils evoke vines laden with scarlet blossoms. Shubhra Singh designs this stunning full finger cocktail ring with eight faceted garnets. Crafted by hand, it contrasts the shine of polished silver with the sparkling gems.

.925 Sterling silver

$59 Wholesale

$59
Bestseller

Wisteria Tendrils Handcrafted Silver Statement Cocktail Ring with 8 Amethysts

US Ring Size: 5,6,10,11

Shubhra Singh

(205)

Sterling tendrils evoke wisteria vines laden with purple blossoms. Shubhra Singh designs this stunning cocktail ring with eight faceted amethysts. Crafted by hand, it contrasts the shine of polished silver with the sparkling gems.

.925 Sterling silver

$57 Wholesale

$57
Bestseller

Virtue in Pink Rhodonite Men's Statement Ring from Guatemala

US Ring Size: 9,10,11,12,13

Zandra Lorena Sajbin

(630)

This prominent men's ring is the design of Zandra Lorena Sajbin from Guatemala. The wide high-polished band crafted of sterling silver features a bold rectangular stone of rhodonite, giving it its unique pink color. This ring will surely catch everyone's eyes.

$164 Wholesale

$164
Purple Passion Sterling Silver and Amethyst Statement Ring

US Ring Size: 5,6,7,8,9,10,11

Budiharta

(84)

Cast in sterling silver, this cocktail ring features an oval-shaped faceted amethyst set within a bezel, refracting light in every direction. Bali's Budiharta hails from Celuk--a village renowned for its silver and gold jewelry.

$89 Wholesale

$89
Evening Calm Rhodium-Plated Sterling Silver Labradorite Cocktail Ring

US Ring Size: 5,6,7,8,9,10,11

Sehal Agarwal

(35)

Iridescent labradorite mingles with cool silver in this gorgeous cocktail ring designed by India's Sehal Agarwal. The artisan crafts the ring from a round labradorite gemstone in a pretty prong setting, while a rhodium-plated sterling silver band in a hammered finish gives the ring texture and detail.

$39 Wholesale

$39
Verdant Classic Malachite Sterling Silver Single Stone Statement Ring

Chintan

(321)

A symphony of verdant greens dances across this statement cocktail ring where malachite’s natural swirls and bold hue command attention against sterling silver. The vibrant stone sits proudly within an artfully crafted bezel, surrounded by delicate rope detailing that frames its organic patterns with sophisticated contrast. Presented by Chintan from India, this gorgeous accessory brings unexpected color and distinctive character to any ensemble.

$39 Wholesale

$39
Bestseller

Virtue in Black Black Jade Men's Statement Ring from Guatemala

US Ring Size: 9,10,11,12

Zandra Lorena Sajbin

(630)

This prominent men's ring is the design of Zandra Lorena Sajbin. The wide high-polished band crafted of sterling silver features a bold rectangular stone of black Guatemalan jade. This ring will surely catch everyone's eyes.

$164 Wholesale

$164
Virtue in Green Green Jade Men's Statement Ring from Guatemala

US Ring Size: 9,10,11,12,13

Zandra Lorena Sajbin

(630)

This prominent men's ring is the design of Zandra Lorena Sajbin. The wide high-polished band crafted of sterling silver features a bold rectangular stone of green Guatemalan jade. This ring will surely catch everyone's eyes.

$164 Wholesale

$164
New Arrival

Flying Eagle Eagle-Themed Sterling Silver Cocktail Statement Ring

Dewi Putera

(350)

The mighty spirit of eagles emerges from sterling silver in this cocktail ring where one of nature's most captivating creatures becomes a precious companion for your hand. Balinese artisan Dewi Putera’s attention to textural detail brings dimensional reality to the design, creating surfaces that invite touch and closer examination.

$109 Wholesale

$109
Selfless in Black Men's Black Jade Statement Band Ring from Guatemala

US Ring Size: 9,10,13

Pablo Castellanos

(42)

This elegant ring is the perfect way to make a bold statement for both day and night. Pablo Castellanos handcrafts a textured band from 925 sterling silver and tops it with a square-cut black Guatemalan jade gemstone.

The Guatemalan artisan considers jewelry making the best gift that his grandparents gave him. His work is centered around completely handmade designs featuring traditional techniques and involving no machines.

$89 Wholesale

$89
Bestseller

It's Complicated Artisan Crafted Sterling Silver Cocktail Ring

US Ring Size: 6,7,8,9,10,11

Dewa Arimbawa

(792)

Elegance is at your fingertips when you wear this simple yet stunning ring from Dewa Arimbawa. Crafted from sterling silver, the ring features a squared front with overlapping ends that the artisan engraves with traditional Balinese designs, giving the piece an exquisite touch.

$89 Wholesale

$89
Royal Vineyard, Sterling Silver Statement Ring with 18k Gold Plating

US Ring Size: 6,7,8,9,10

Dwi Adiastuti

(45)

$59 Wholesale

$59
Universe, Lapis Lazuli Cocktail Ring in Sterling Silver Jewelry

US Ring Size: 5,9,10,11

Bhavesh

(1335)

$117 Wholesale

$117
Bestseller

Truth and Life in Black, Handmade Black Jade Men's Ring from Guatemala

US Ring Size: 7,8,9,10,11,12

Zandra Lorena Sajbin

(630)

$174 Wholesale

$174
Bestseller

Sparkling Starfish, Sterling Silver and White Pearl Cocktail Ring

Desi Antari

(583)

$69 Wholesale

$69
Bestseller

Infinity Eye, Lapis Lazuli and Sterling Silver Cocktail Ring from India

US Ring Size: 5,6,7,11

Babun Dey

(715)

$44 Wholesale

$44
Bestseller

White Glow, Cultured Pearl Cocktail Ring Crafted in India

US Ring Size: 6,7,8,9,10

Neetu Barathi

(1609)

$49 Wholesale

$49
Featured Sale

Lilac Frangipani, Floral Sterling Silver and Faceted Amethyst Ring from Bali

US Ring Size: 6,7,8,9,10,11

Buana

(2373)

$79.20 Wholesale

~~$99~~ $79.20
Bestseller

Balmy Evening, Indian Sterling Silver and Tiger's Eye Cocktail Ring

US Ring Size: 5,6,8,9,10,11

Babun Dey

(715)

$59 Wholesale

$59
Gleaming Fate, Cultured Pearl Cocktail Ring Crafted in Indonesia

US Ring Size: 5,6,8,9,10,11

Suar Dwipayana

(180)

$99 Wholesale

$99
Bestseller

Universe, Sterling Silver Single Stone and Green Onyx Cocktail Ring

US Ring Size: 5,6,10,11

Bhavesh

(1335)

$139 Wholesale

$139
Bestseller

Glorious Vines, Blue Topaz and Sterling Silver Single Stone Ring from Bali

US Ring Size: 5,7,8,11

Buana

(2373)

$79 Wholesale

$79
Bestseller

Mouth of the Jaguar, Men's Obsidian Jaguar Ring Crafted in Bali

US Ring Size: 7,8,9,10,11

Henry Anthony Sanny

(238)

$99 Wholesale

$99
Bestseller

Butterfly Queen, Balinese Amethyst and Blue Topaz Silver Cocktail Ring

US Ring Size: 5,6,7,8,9,10,11,12,13

Buana

(2373)

$71.20 Wholesale

~~$89~~ $71.20
Truth and Life in Dark Green, Handmade Men's Dark Green Jade Cocktail Ring from Guatemala

US Ring Size: 7,8,9,10,11,12,13

Zandra Lorena Sajbin

(630)

$154 Wholesale

$154
Radiant Light, Rainbow Moonstone Cocktail Ring Artisan Silver Jewelry

US Ring Size: 5,6,7,8,11

Shanker

(1425)

$64 Wholesale

$64
Dragon's Claws, Sterling Silver Dragon Claw Band Ring from India

US Ring Size: 6,7,8,9,10

Shivani Choudhary

(232)

$64 Wholesale

$64
Bestseller

Queen's Pride, Gold Accented Sterling Silver Cocktail Ring from Bali

US Ring Size: 6,7,8,9,10,11,12

Kadek Hendra

(693)

$99 Wholesale

$99
Bestseller

Ancient Wisdom, Green Quartz Ring from Indonesia

US Ring Size: 6,7,8,9,10,11,12,13

Nyoman Rena

(2218)

$79 Wholesale

$79
Empress Moon, Artisan Crafted Sterling Silver Band Ring from Bali

US Ring Size: 5,6

Komang Wijayana

(1458)

$47 Wholesale

$47
Holy Light, Gold Accented Sterling Silver Cross Band Ring

US Ring Size: 9,11

Komang Wijayana

(1458)

$69 Wholesale

$69
Royal Rose, Hand-Carved Rose Flower Wood Cocktail Ring from India

US Ring Size: 5

Sapna Mehta

(50)

$27 Wholesale

$27
Elegant Dazzle, Rhodium Plated Smoky Quartz Solitaire Ring from India

US Ring Size: 5,7,10,11

Sehal Agarwal

(35)

$44 Wholesale

$44
Bestseller

Beautiful Bat, Handcrafted Sterling Silver Bat Cocktail Ring from Bali

US Ring Size: 5,6,8,9,11

Dewa Arimbawa

(792)

$39 Wholesale

$39
Aqua Passion, Sterling Silver Cocktail Ring with Chalcedony Stone in Aqua

Kriti Seth

$39 Wholesale

$39
Lady of Delhi, Faceted Black Onyx Sterling Silver Heart Cocktail Ring

US Ring Size: 6,7,8

Pawanesh Gupta

(72)

$49 Wholesale

$49
Bestseller

Eternal Majesty, Amethyst Blue Topaz and Garnet Multi-Band Ring from Bali

US Ring Size: 5,6,7,8,9,10

Ketut Sulastri

(297)

$47 Wholesale

$47
Ubud Frog, Frog Sterling Silver Cocktail Ring from Bali

US Ring Size: 5,6,7,8,9,10,11,12,13

Nyoman Rena

(2218)

$59 Wholesale

$59
Sunset Glam, Carnelian and 925 Sterling Silver Cocktail Ring from India

Rakesh Rana

(154)

$104 Wholesale

$104
Bestseller

Bali Prince, Blue Topaz and Bone Cocktail Ring from Bali

US Ring Size: 5,6,7,8,10

Buana

(2373)

$79 Wholesale

$79
Delightful Bloom, Sterling Silver Floral Cocktail Ring with Rainbow Moonstone

Buana

(2373)

$59 Wholesale

$59
Golden Eagle, Sterling Silver Eagle Theme Ring with Citrine and Blue Topaz

US Ring Size: 5,6,7,8,10,11

Buana

(2373)

$67 Wholesale

$67
Hazy Glam, Smoky Quartz and Sterling Silver Cocktail Ring from India

Rakesh Rana

(154)

$99 Wholesale

$99
Forest Unity, Handmade 925 Sterling Silver Cultured Pearl Leaf Wrap Ring

US Ring Size: 6,7,8,9

Pawanesh Gupta

(72)

$39 Wholesale

$39
Bestseller

Glorious Vines, Rainbow Moonstone and Sterling Silver Single Stone Ring

US Ring Size: 5.5,6,6.5,7.5,9

Buana

(2373)

$67 Wholesale

$67
Bestseller

Rice Stalks, Rice Stalk Sterling Silver Band Ring

US Ring Size: 5,6,7,8,9,10,12

Dewa Arimbawa

(792)

$49 Wholesale

$49
Bestseller

Face of the Moon, Hand Crafted Sterling Silver and Bone Cocktail Ring

US Ring Size: 5,5.5,6,7,8,8.5,9

Buana

(2373)

$59 Wholesale

$59
Bestseller

Frangipani Path, Oval Cut Blue Topaz and Silver Ring with Floral Design

US Ring Size: 5,6,8,9,10,11

Buana

(2373)

$49 Wholesale

$49
Featured Sale

Jaipur Skies, Sterling Silver Jewelry Chalcedony Ring from India

US Ring Size: 5,6,7,8,9

Shanker

(1425)

$87.20 Wholesale

~~$109~~ $87.20
Bestseller

Green Ivy, Handmade Peridot Ring with Composite Turquoise

US Ring Size: 5,6,7,8,8.5,9

Shanker

(1425)

$59.95 Wholesale

$59.95
Savannah Evening, 4 Carat Citrine Ring from Bali

US Ring Size: 5,6,7,8,10,11,12

Nyoman Rena

(2218)

$79 Wholesale

$79
Bestseller

Frangipani Allure, Handcrafted Floral Sterling Silver and Amethyst Ring

US Ring Size: 5,5.5,6,6.5,7,7.5,8,8.5,9.5

Buana

(2373)

$55.20 Wholesale

~~$69~~ $55.20
Bestseller

Merajan Majesty, Sterling Silver Openwork Band Ring from Bali

US Ring Size: 5,5.5,6,6.5,7,7.5,8,9,9.5

Made Sugi

(291)

$49 Wholesale

$49
Fish Union, Handmade Sterling Silver Cocktail Ring

US Ring Size: 7,8

Ajay Patil

(12)

$64 Wholesale

$64
Bestseller

Mysterious Waters, Handmade Labradorite and Sterling Silver Cocktail Ring

US Ring Size: 8,9

Bhavesh

(1335)

$49 Wholesale

$49
Dreaming Dragonfly, Sterling Silver Garnet Cocktail Ring with Dragonfly Motif

US Ring Size: 6,7,8,9,10,11,12

Made Sugi

(291)

$54 Wholesale

$54
Triple Threat, Handmade Lapis Lazuli and Sterling Silver Cocktail Ring

US Ring Size: 7,8,9,10

Rakesh Rana

(154)

$74 Wholesale

$74
Black Tablet, Square Black Onyx Cabochon Sterling Silver Cocktail Ring

US Ring Size: 6,7,8,9

Mutiara Collection

(194)

$84 Wholesale

$84
Bestseller

Rugged Essence, 24k Gold-Plated Modern Textured Unisex Band Ring from Peru

Fermin

(52)

$49 Wholesale

$49
Saving Grace, Men's Sterling Cross Ring

US Ring Size: 6,7,8,9,10,5

Ari Gunawan

(246)

$84 Wholesale

$84
Blue Greek Key, Men's Lapis Lazuli Ring from India

US Ring Size: 9,11

Tishita Jain

(43)

$137 Wholesale

$137
Peacock on Parade, Artisan Crafted Garnet Ring

US Ring Size: 6,7,8,9,10,11,5

Wayan Neri

(346)

$89 Wholesale

$89
Dramatic Skies, Lapis Lazuli and Sterling Silver Double Finger Ring

US Ring Size: 5,6,7

Parul

(359)

$39 Wholesale

$39
Fanciful Flight, Sterling Silver Pair of Wings Cocktail Ring

US Ring Size: 5,6,7,8,9,10,11

Ari Gunawan

(246)

$49 Wholesale

$49
Lolly, Bali Amethyst and Blue Topaz Multi-Stone Silver Ring

US Ring Size: 6,7,9,10,11

Jenny Setiawan

(47)

$79 Wholesale

$79
Spiritual Gifts, Sterling Silver Meditation Spinner Ring Love Faith Hope

US Ring Size: 6,7,8,9,11

Shivani Choudhary

(232)

$69 Wholesale

$69
Leafy Union, Modern Citrine and Amethyst Sterling Silver Wrap Ring

Harshita Sharma

(76)

$44 Wholesale

$44
Peacock on Parade, Amethyst Ring with Gold Accents

US Ring Size: 6,7,8,9,10,11,5

Wayan Neri

(346)

$97 Wholesale

$97
Bestseller

Golden Greek Key, Three Carat Men's Citrine Ring with Greek Key Motif

US Ring Size: 9,10,11

Tishita Jain

(43)

$134 Wholesale

$134
Flower of Eternity, Larimar Sterling Silver Floral-Themed Cocktail Ring

Buana

(2373)

$79 Wholesale

$79
Speckled Sunflower, Hand Made Sterling Silver Cocktail Ring

US Ring Size: 9

Ajay Patil

(12)

$94 Wholesale

$94
Balinese Barong, Men's 925 Silver Cocktail Ring with Barong Character Motif

Gede Agus Mahardika

(5)

$67 Wholesale

$67
Spiral Path, Men's Wide Braided Silver Ring

US Ring Size: 5,6,7,8,9,10,11

Komang Wijayana

(1458)

$59 Wholesale

$59
Licorice Candy, Unisex Sterling Silver and Onyx Cocktail Ring

US Ring Size: 6,7,8,9

Komang Wijayana

(1458)

$87 Wholesale

$87
Bestseller

Beautiful Bloom, Sterling Silver Amethyst Openwork Flower Cocktail Ring

US Ring Size: 5,6,7,8,9,10

Alok Jain

(1879)

$59 Wholesale

$59
All-Night Party, Citrine and Amethyst Cocktail Ring from Bali

US Ring Size: 6,7,8,9

Made Sugi

(291)

$84.60 Wholesale

~~$94~~ $84.60
Exuberant Beauty, Handcrafted Wide Sterling Silver and Garnet Ring from Bali

US Ring Size: 6,7,8,9,10

Rosalia Tarigan

(208)

$57 Wholesale

$57
Royal Touch, Artisan Crafted Cocktail Ring with Gold Accents

US Ring Size: 5,6,7,8,9,10,11

Wayan Neri

(346)

$84 Wholesale

$84
Temperance in Black, Men's Oval Bezel Black Jade Band Ring from Guatemala

US Ring Size: 9,10,11,12,13

Pablo Castellanos

(42)

$89 Wholesale

$89
Butterfly in the Sky, Sterling Silver Butterfly Cocktail Ring

US Ring Size: 6,7,8,9,10

Anya

(29)

$47 Wholesale

$47
My Radiant Connection, Modern 18k Gold-Plated Band Ring with Link Chain Design

Dhea Pramesthi

$44 Wholesale

$44
Bestseller

Singular Knot, Single Knot-Themed Modern Polished Sterling Silver Band Ring

Griya Suarningsih

(16)

$29 Wholesale

$29
Blossoming Scarlet, Floral-Themed Sterling Silver Band Ring with Garnet Gemstone

Bhavya Jain

(422)

$23 Wholesale

$23

There are 133 items in this collection. Explore more!

1
2

Related Categories

amethyst cocktail rings

silver cocktail rings

silver single stone rings

rhodium plated rings

sterling silver cocktail rings

labradorite gemstone rings

gemstone cocktail rings

single stone rings

green single stone rings

sterling silver jade ring

garnet and sterling silver rings

amethyst birthstone rings

silver birthstone rings

sterling silver amethyst rings

silver gemstone rings

Unique Finds

birthstone rings

gem stone rings

amazonite rings

Your NOVICA Packages are Safe and Secure!

Every NOVICA item comes with our universal guarantee

Certified clean packing environment

Quality tested and verified by our region teams

Fair trade and 100% happiness guaranteed

Where in the world can we take you?

Choose a destination
- The Andes
- Armenia
- Bali & Java
- Central America
- Costa Rica
- India
- Ireland
- Mexico
- Silk Road
- Thailand
- West Africa

NOVICA on Instagram

We're curating our Instagram feed to reflect the vibrancy of the cultures and places we love. Discover what we mean when we say NOVICA is color!

The Latest on Social

Every purchase supports NOVICA's mission to spread happiness by celebrating exploration, empowering artists, and preserving global culture. Our Mission

“Take only memories, leave only footprints.” ~ Chief Si'ahl

This company meets the highest standards of social and environmental impact

Info

Corporate Gifts

Affiliate Program

Undiscovered Box

NOVICA en español

Help

Customer Service

Loyalty Program

Unique Gift Ideas

Popular Searches

Amethyst Necklaces

Artisan Jewellery

Beaded Bracelet

Choker Necklace

Dangle Earrings

Fair Trade Gifts

Handmade Jewelry

Silver Bracelet

Turquoise Jewelry

NOVICA Gift Cards

View Gift Card Options

Partners and Collaborations

In The Media

© 2025 NOVICA United, Inc. All rights reserved. Site Map Privacy Policy