code: private List<IPolicy> getPoliciesOrDefault(final IGuaranteeTerm term) {
          
          if (term.getPolicies() != null && term.getPolicies().size() > 0) {
              return term.getPolicies();
          }
          
          return Collections.singletonList(defaultPolicy);
      }
docs: Return policies of the term if any, or the default policy.