Over $139.7 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

sparkle necklaces

492 items

Refine

Refine

Refine your results

Category

Category

Jewelry (464)
Clothing (22)
Gift Boxes (4)
Handbags (2)

Theme

Theme

Style

Style

Design

Design

Printed (10)
Embroidered (9)
Patterned (4)
Tie Dye (2)
Striped (1)

Material

Material

Silver (410)
Sterling Silver (408)
Gold (48)
Rhodium Plated (46)
Gold Plated (25)
Gold Accent (23)
Bone (19)
Cotton (14)
Bead (12)
Silver Plated (10)
Stainless Steel (8)
Brass (6)
Leather (6)
Natural Flower or Leaf (6)
Resin (6)
Silk (6)
Fine Silver (5)
Rayon (5)
Vermeil (5)
Viscose (4)
Copper (3)
Glass (3)
Steel (3)
Stone (3)
Horn (2)
Polyester (2)
Wood (2)
Ceramic (1)
Enamel (1)
Linen (1)

Gemstone

Gemstone

Color

Color

Blue (74)
Purple (51)
Green (48)
Red (44)
Clear (39)
Yellow (38)
Multicolor (34)
White (16)
Pink (14)
Turquoise Blue (13)
Black (11)
Brown (6)
Grey (6)
Gold Tone (4)
Silver Tone (4)
Natural or White (2)
Beige (1)
Burgundy (1)

Region

Region

India (247)
Thailand (109)
Bali and Java (99)
Mexico (15)
Central America (11)
Andes (5)
Brazil (2)
Armenia (1)
West Africa (1)

Price

Price

Under $20 (2)
$20 - $40 (32)
$40 - $60 (161)
$60 - $100 (205)
$100 - $200 (74)
Over $200 (18)

Related Categories

gold statement necklaces
silver statement necklace
gold necklace with pendant for women
peridot silver necklace
amethyst pendant necklaces
long boho necklace

Unique Finds

collar necklace
dragonfly necklaces
enamel necklaces
fluorite necklaces
iolite necklaces
karma necklaces

Sort Most popular

Sort

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

Dark Red Beauty Garnet and Sterling Silver Pendant Necklace

Length: 18"

Harshita Sharma

(76)

India's Harshita Sharma designs this shimmering necklace from deep red garnet gemstones. The artisan crowds a marquise-shaped pendant with the sparkling gemstones, placing them in decorative prong settings. The pendant swings from a polished sterling silver box chain with a spring ring clasp.

$57.60 Wholesale

~~$64~~ $57.60
Precious Teardrop Citrine and Sterling Silver Pendant Necklace from India

Length: 18"

Hema

(146)

Caught in a delicate silver setting, a citrine teardrop is mesmerizing. Hema adds the sparkle of cubic zirconia to this enchanting necklace. The ornate pendant is worn on a slender sterling chain.

.925 Sterling silver

$80.10 Wholesale

~~$89~~ $80.10
Golden Sunshine Leaf Motif Crystal and Citrine Pendant Necklace from India

Length: 18"

Alok Jain

(1879)

The golden elegance of sunshine is celebrated in a sparkling pendant necklace from India. Sterling silver leaves are crafted by hand, caressing a one carat citrine stone that floats above a crystal briolette. Alok Jain presents this handsome accessory, working with local artisans.

$60.30 Wholesale

~~$67~~ $60.30
Treasured Jewels Amazing 25 Carat Amethyst Pendant Necklace from India

Length: 17.75"

Alok Jain

(1879)

This utterly breathtaking amethyst necklace is presented by Alok Jain, who works with local artisans in India. The necklace features a luscious 25 carats of sparkling amethyst that is set in gleaming rhodium plated sterling silver. The marquise cut of the gems and their arrangement are reminiscent of a garland.

$228.60 Wholesale

~~$254~~ $228.60
Bestseller

Pale Green Light Gold-Accented Prasiolite Pendant Necklace from Bali

Length: 20.5"

Dewi Putera

(350)

Two light green prasiolite gemstones sparkle at the center of this exquisite pendant necklace designed by Bali's Dewi Putera. The artisan nestles the faceted gemstones in sterling silver settings adorned with ornate designs, while 18k gold-plated accents add luxurious details.

$188.10 Wholesale

~~$209~~ $188.10
Your Majesty Sterling Silver Amethyst Medallion Pendant Necklace

Length: 18"

Rakesh Rana

(154)

A sterling silver medallion is accented by concentric circles of intricate dots and swirls in this pendant necklace by India's Rakesh Rana. Selective oxidization highlights the deft silversmithing, while at the center, a faceted bezel-set amethyst radiates its beauty.

$62.10 Wholesale

~~$69~~ $62.10
Scarlet Joy Garnet and Emerald Pendant Necklace from India

Length: 18"

Alok Jain

(1879)

With sparkling scarlet hues, a three-carat oval of natural garnet is featured at the center of this necklace from India. Alok Jain works with local artisans, presenting this joyful accessory. The pendant is crafted of rhodium plated sterling silver, accentuated with a petite emerald that rests above the garnet.

$60.30 Wholesale

~~$67~~ $60.30
Bestseller

Evening in Delhi Peridot Pendant Necklace with 17 Carats of Gemstones

Length: 18.75"

Alok Jain

(1879)

Dazzling the eyes with their apple-green sparkle, 17 carats of faceted peridot adorn this necklace from Alok Jain in India. The round, marquise, and pear-shaped gemstones are set in polished sterling silver and center a length of Cuban link chain. The elegant necklace is secured by a lobster claw clasp.

$332.10 Wholesale

~~$369~~ $332.10
Violet Sparkle Circular Amethyst and CZ Pendant Necklace from Thailand

Length: 17.75"

Michael Krainer

(203)

Surrounded by petite stones of sparkling cubic zirconia, a circular amethyst gemstone weighing over one carat is featured in the pendant of this fabulous necklace from Thailand. Designed by Michael Krainer, this fantastic accessory is crafted with high-polish sterling silver.

$62.10 Wholesale

~~$69~~ $62.10
Floral Cross Amethyst Sterling Silver Pendant Necklace

Length: 16.5"

Wayan Asmana

(910)

Forming a cross, four sparkling amethysts radiate violet beauty. From Wayan Asmana, the gems appear amid floral tendrils for a beautiful pendant. Sterling silver is the medium for this exquisite necklace.

.925 Sterling silver

$102.60 Wholesale

~~$114~~ $102.60
Blue Happiness Sterling Silver Moonstone and Sapphire Pendant Necklace

Length: 18"

Alok Jain

(1879)

Sparkling sapphires encircle a cabochon moonstone in this rhodium-plated sterling silver pendant designed by Alok Jain of India. Believed to be a source of inner growth and strength, the milky opalescence of the moonstone is complemented by the deep blue of the faceted sapphires--thought to facilitate self-expression and have a calming effect on the nervous system. This beautiful pendant is suspended from a sterling silver chain.

$62.10 Wholesale

~~$69~~ $62.10
Violets Amethyst Y-necklace

Length: 15.75"

Alok Jain

(1879)

Sparkling amethyst forms a cascade of violets set in sterling silver. Associated with spiritual awareness, the lilac gem is thought to cleanse, purify, restructure and renew. This exquisite necklace comes from India's Alok Jain.

.925 Sterling silver

$89.10 Wholesale

~~$99~~ $89.10
Bestseller

Evening in Delhi, 17-Carat Garnet Pendant Necklace from India

Length: 18.75"

Alok Jain

(1879)

$258.30 Wholesale

~~$287~~ $258.30
Bestseller

Calm and Clarity, Prasiolite pendant necklace

Length: 16.25"

Hema

(146)

$51.30 Wholesale

~~$57~~ $51.30
Radiant Sign, Gold-Plated Sterling Silver Garnet Pendant Necklace

Length: 18"

Alok Jain

(1879)

$197.10 Wholesale

~~$219~~ $197.10
Bestseller

Gemstone Romance, Hand Crafted Gold Plated Multigem Link Necklace from India

Length: 36"

Bhavesh

(1335)

$278.10 Wholesale

~~$309~~ $278.10
Bestseller

Rainbow Palette, Handmade Multi-Gemstone Pendant Necklace from India

Length: 18"

Alok Jain

(1879)

$80.10 Wholesale

~~$89~~ $80.10
Bestseller

Scarlet Splendor, Garnet Y-necklace

Length: 18"

Hema

(146)

$111.60 Wholesale

~~$124~~ $111.60
Glamour Burst, Sterling Silver Gemstone Pendant Necklace from India

Length: 18.25"

Bhavesh

(1335)

$150.30 Wholesale

~~$167~~ $150.30
Mini Elephant Heart, Sparkling Elephant Heart Necklace from Thailand

Length: 18"

Jantana

(710)

$44.99 Wholesale

~~$59.99~~ $44.99
Little Elephant Heart, Sparkling Sterling Silver Elephant Necklace from Thailand

Length: 18"

Jantana

(710)

$44.99 Wholesale

~~$59.99~~ $44.99
Sparkling Wine, Amethyst necklace

Length: 18"

Hema

(146)

$66.60 Wholesale

~~$74~~ $66.60
Bestseller

Sparkling Garland, Quartz Garland in Sterling Silver Necklace from India

Length: 17.25"

Neeru Goel

(2379)

$84.60 Wholesale

~~$94~~ $84.60
Sparkling Planet, Citrine Composite Turquoise Pendant Necklace from India

Length: 18"

Shanker

(1425)

$44.10 Wholesale

~~$49~~ $44.10
Om Chakra, 6.3 Cts Multi-gemstone Sterling Silver Medallion Necklace

Length: 18"

Alok Jain

(1879)

$53.10 Wholesale

~~$59~~ $53.10
Sparkling Circle, Circular Green Amethyst Pendant Necklace from Thailand

Length: 18"

Jantana

(710)

$58.49 Wholesale

~~$77.99~~ $58.49
Sparkling Treasure, Sterling Silver Necklace with Garnet and Cubic Zirconia

Length: 18"

Hema

(146)

$51.30 Wholesale

~~$57~~ $51.30
Sparkling Spiral, Amethyst and Sterling Silver Pendant Necklace from India

Length: 17.75"

Neeru Goel

(2379)

$125.10 Wholesale

~~$139~~ $125.10
Sparkling Harmony, Sterling Silver Geometric Drusy Quartz Pendant Necklace

Length: 18"

Bhavesh

(1335)

$44.10 Wholesale

~~$49~~ $44.10
Beautiful Cavern, Multi-Gemstone Beaded Pendant Necklace from Thailand

Length: 17.75"

Sukanya Thongperm

(24)

$80.10 Wholesale

~~$89~~ $80.10
Bestseller

Sparkling Night, Black and White Multigemstone Beaded Necklace

Length: 18.5"

Nareerat

(1853)

$42.30 Wholesale

~~$47~~ $42.30
Sparkling Serotonin, Sterling Silver Modern Serotonin Molecule Pendant Necklace

Length: 18"

Sarote Lochotinunt

(339)

$39.60 Wholesale

~~$44~~ $39.60
Sparkling Allure, Amethyst Emerald and Ruby Pendant Necklace from India

Length: 18"

Alok Jain

(1879)

$62.10 Wholesale

~~$69~~ $62.10
Sparkle Tree, Tree of Life Pendant Necklace with Crystals

Length: 13.75"

Jenny Loaiza

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Eye, Sterling Silver and CZ Pendant Necklace from Thailand

Length: 18"

Sarote Lochotinunt

(339)

$39.60 Wholesale

~~$44~~ $39.60
Sparkling Bubbles, Sterling Silver Link Necklace with Bubble Motifs

Manuel Fredebrecht

(12)

$156.60 Wholesale

~~$174~~ $156.60
Bestseller

Starfish Sparkle, Larimar and Sterling Silver Starfish Pendant Necklace

Length: 17.75"

Michael Krainer

(203)

$71.10 Wholesale

~~$79~~ $71.10
Royal Sparkle, Balinese Amethyst and Sterling Silver Pendant Necklace

Length: 18"

Wayan Asmana

(910)

$98.10 Wholesale

~~$109~~ $98.10
Timeless Sparkle, 3-Carat Amethyst Pendant Necklace from India

Length: 18"

Parul

(359)

$44.10 Wholesale

~~$49~~ $44.10
White Sparkle, Sterling Silver White Druzy Square Pendant Necklace

Length: 18"

Bhavesh

(1335)

$44.10 Wholesale

~~$49~~ $44.10
Grey Sparkle, Sterling Silver and Grey Drusy Quartz Pendant Necklace

Length: 18"

Bhavesh

(1335)

$35.10 Wholesale

~~$39~~ $35.10
Sparkling Tradition, Black Braided Pendant Necklace with Silver Beads

Samart Takham

(205)

$51.30 Wholesale

~~$57~~ $51.30
Coming back

Sparkling Bonds, High-Polished Unisex Sterling Silver Wheat Chain Necklace

Bhavya Jain

(422)

$53.10 Wholesale

~~$59~~ $53.10
Sparkling Leo, 18k Gold-Accented Leo Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Gemini, 18k Gold-Accented Gemini Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Capricorn, 18k Gold-Accented Capricorn Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Libra, 18k Gold-Accented Libra Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Pisces, 18k Gold-Accented Pisces Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Cancer, 18k Gold-Accented Cancer Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Virgo, 18k Gold-Accented Virgo Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Scorpio, 18k Gold-Accented Scorpio Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Taurus, 18k Gold-Accented Taurus Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Aries, 18k Gold-Accented Aries Pendant Necklace from Bali

Made Suyana

(51)

$62.10 Wholesale

~~$69~~ $62.10
Sparkling Triangles, Handmade Sterling Silver Link Necklace from India

Length: 17.75"

Bhavya Jain

(422)

$323.10 Wholesale

~~$359~~ $323.10
Sparkling Symphony, Multi Gemstone Sterling Silver Pendant Necklace from India

Length: 19.5"

Neeru Goel

(2379)

$84.60 Wholesale

~~$94~~ $84.60
Sparkling Pinecone, 4-Carat Multi-Gemstone Pendant Necklace from India

Length: 18"

Alok Jain

(1879)

$60.30 Wholesale

~~$67~~ $60.30
Angel of Love, Sterling Silver and Garnet Necklace Modern Jewelry

Length: 16"

Alok Jain

(1879)

$44.10 Wholesale

~~$49~~ $44.10
Sparkling Tricolor, Multi-Gemstone Link Pendant Necklace from India

Length: 22.75"

Neetu Barathi

(1609)

$89.10 Wholesale

~~$99~~ $89.10
Sparkling Love, Handcrafted Sterling Silver and Blue Topaz Locket Necklace

Length: 17.5"

Sukartini

(570)

$116.10 Wholesale

~~$129~~ $116.10
Sparkling Dream Catcher, Blue Topaz Dream Catcher Pendant Necklace from India

Length: 18"

Alok Jain

(1879)

$80.10 Wholesale

~~$89~~ $80.10
Sparkling Sacrifice, Amethyst and Bone Cross Pendant Necklace from Bali

Length: 14.25"

Made Wardika

(1081)

$57.60 Wholesale

~~$64~~ $57.60
Sparkling Heart Tree, White Topaz Heart and Tree of Life-Themed Pendant Necklace

Michael Krainer

(203)

$102.60 Wholesale

~~$114~~ $102.60
Dazzling Infinity, Indian Citrine and Composite Turquoise Pendant Necklace

Length: 18"

Shanker

(1425)

$60.30 Wholesale

~~$67~~ $60.30
Bestseller

Nautical Sparkle, Hand Made Roman Glass Pendant Necklace

Length: 1.5" x 0.6" W

Michael Krainer

(203)

$89.10 Wholesale

~~$99~~ $89.10
Timeless Sparkle, 3-Carat Blue Topaz Pendant Necklace from India

Length: 18"

Parul

(359)

$51.30 Wholesale

~~$57~~ $51.30
Sparkle & Gleam, Double-Strand Necklace with Rainbow Moonstone

Length: 16"

Vivek Nathany

(171)

$54.95 Wholesale

$54.95
Sparkling Winter, Rhodium-Plated 4-Carat Sapphire and Cubic Zirconia Necklace

Bhavesh

(1335)

$314.10 Wholesale

~~$349~~ $314.10
Bestseller

Watery Gold, Nine-Carat Citrine and Composite Turquoise Earrings

Length: 1.4" x 0.6" W x 0.2" D

Neeru Goel

(2379)

$80.10 Wholesale

~~$89~~ $80.10
Coming back

Paw Print Sparkle, Animal-Themed Amethyst Pendant Necklace from Bali

Length: 17.25"

Bali Animal Welfare Association

(220)

$80.10 Wholesale

~~$89~~ $80.10
Sparkling Spiral, Garnet and Rainbow Moonstone Pendant Necklace from India

Length: 17.75"

Neeru Goel

(2379)

$89.10 Wholesale

~~$99~~ $89.10
Sparkling Radiance, Garnet and Blue Topaz Sterling Silver Pendant Necklace

Length: 17.75"

Neeru Goel

(2379)

$80.10 Wholesale

~~$89~~ $80.10
Coming back

Bright Sparkle in Moonlight, Artisan Made Sterling Silver and Moonstone Pendant Necklace

Length: 15.75"

Ita Puspita

(10)

$120.60 Wholesale

~~$134~~ $120.60
Nature's Sparkle, Rhodium Plated Green Onyx Pendant Necklace from India

Length: 18.5"

Alok Jain

(1879)

$111.60 Wholesale

~~$124~~ $111.60
Duchess Sparkle, Embroidered Yellow Sterling Silver Filigree Pendant Necklace

Maral Shohmahlian

$82.45 Wholesale

~~$97~~ $82.45
Coming back

My Sparkling Sun, Folk Art-Inspired 10-Carat Cubic Zirconia Pendant Necklace

Zayd Makarim

(559)

$129.60 Wholesale

~~$144~~ $129.60
Coming back

Bright Sparkle in Sunlight, Handmade Sterling Silver and Blue Topaz Pendant Necklace

Length: 15.75"

Ita Puspita

(10)

$116.10 Wholesale

~~$129~~ $116.10
Seahorse Sparkle, Larimar Cubic Zirconia Silver Seahorse Pendant Necklace

Michael Krainer

(203)

$105.30 Wholesale

~~$117~~ $105.30
Twin Sparkle, Gold Accented Blue Topaz Lariat Necklace from Bali

Length: 18"

Ari Gunawan

(246)

$125.10 Wholesale

~~$139~~ $125.10
Bestseller

Silver Flare, Hand Crafted Sterling Silver and Garnet Pendant Necklace

Length: 18"

Alok Jain

(1879)

$53.10 Wholesale

~~$59~~ $53.10
Sparkling Berries, Rhodium-Plated Blue Topaz and Sapphire Pendant Necklace

Alok Jain

(1879)

$78.30 Wholesale

~~$87~~ $78.30
Bestseller

Red Sunflower, Hand Made Sterling Silver Garnet Pendant Necklace India

Length: 18"

Alok Jain

(1879)

$107.10 Wholesale

~~$119~~ $107.10
A Spark of Romance, Pearl Choker Necklace

Length: 14.25"

Sasina

(409)

$44.10 Wholesale

~~$49~~ $44.10
Loved, Romantic Rose Quartz Pendant Necklace from Guatemala

Length: 27"

Jalapa Girl Jewelsmiths

(106)

$62.10 Wholesale

~~$69~~ $62.10
Blue Universe, Hand Made Sterling Silver and Lapis Lazuli Necklace

Length: 15.75"

Shanker

(1425)

$71.10 Wholesale

~~$79~~ $71.10

There are 492 items in this collection. Explore more!

1
2
3
4
5
6

Related Categories

gold statement necklaces

silver statement necklace

gold necklace with pendant for women

peridot silver necklace

amethyst pendant necklaces

long boho necklace

silver pendant necklace

sterling silver garnet necklaces

sterling silver pendant necklace

statement necklaces

bohemian statement necklaces

floral statement necklaces

pearl statement necklaces

gold cross necklaces

emerald necklaces

gemstone pendant necklace

Unique Finds

collar necklace

dragonfly necklaces

enamel necklaces

fluorite necklaces

iolite necklaces

karma necklaces

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 Facebook

Join our growing Facebook community of over 300,000 people and be the first to learn about giveaways, new styles, and the best hidden talent in the handmade art world.

The Latest on Social

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

“The journey of a thousand miles begins with a single step.” ~ Lao Tzu

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