Sounds like you know the answers to all your questions. Terms & Conditions can be changed at every renewal but generally not in between. Verizon also agrees that you don't have to change plans, only if you expect them to give you a $650 smartphone for $200. That's the offer, if you don't like it then don't accept it but don't lay out your own terms and expect Verizon to cave in. You want to keep your unlimited data plan? Here's how. Buy your phone at full price and don't renew your contract, or buy it from a 3rd party if you can get it for less. Or wait six months or so when Verizon begins offering it as a CPO (Certified Pre-Owned) model for less than a brand new one.