Clientele Funeral Covers are an absolute *******!

I took up a Clientele Funeral Dignity Plan for my parents and brother in August 2015 and after paying there premiums for 2years and 7months i recieved my contract for the first time on the 13th of March 2018 8:11am ,after reading through the contract i found that what was a few things that was said to me while doing the application telephonically and what was stated in my contract was not the same.I made a call to their call centre to cancel this funeral policy i was told I will not be refunded my premiums back, However in there terms and conditions its make no mention of premiums not being refuned however is does state that: You have a 30-day cooling off period to cancel the policy. This means, from the time we send your policy documents, as long as there has been no claim or you have not received any benefit under the policy, if the policy is cancelled within these 30 days, we will refund the premiums you have paid. You have the right to cancel this policy by giving us 30 days’ notice. Premiums paid during this notice period will not be refunded. So why are you not wanting to pay me my premuims back?! when clearly your T&C's says otherwise. Iam no longer interested in Clientele cancel my policy and payback my premiums!