poly ringtones are just midi files... just upload your own midi files to any webserver and download them through WAP on your phone... You will have to pay the data charges of course, but otherwise it's free...
i second matrixm, there's some good free ones. but what i do is preview them, then look for the file in the IE cache dir. and beam them thru IR to my samsung phone. totally free. even for their 'paid' ones, they're free to preview.
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