My REFUND still not PAID

My refund still not paid. I was promised that I will received sms & email within 21 working days. Yet I haven't received anything since the 10th of May 2018.

Now I received a call from your agent telling me that I will only receive a 1 (one) Month pay cause I have only payed for 20 Months not 24 Month.

But from your policy I don't see that written.

READ YOUR POLICY OF CANCELLATION AND EXPLAIN.

2. POLICY AMENDMENTS AND CANCELLATIONS You are entitled to cancel your Policy at any time and with immediate effect. If you wish to cancel your Policy, you must inform the Administrator in writing. The Administrator, acting on behalf of the Insurer, is entitled to amend the terms and conditions or cancel your Policy by giving you 30 days’ notice in writing, either by letter, fax or via electronic media in the form of an email to the last known email address. In the event that you cancel your Policy, the following conditions will apply with regard to the refund of premiums: >> If a claim has been paid under your Policy, there will be no refund due. >> If a refund is due, all costs incurred, including commissions, underwriting fees and administration costs will be deducted and the balance will be refunded on a pro-rata basis within 30 days from the date of cancellation. >> If your Policy has been financed by a financial institution or forms part of a suspensive sale agreement, the refund will be paid to the financing institution. >> If you have a Monthly Pre-owned Policy (Prosperity Pre-owned 1 or Prosperity Pre-owned 2) no refund will be due.