terms and conditions of Mireward are misleading

sometimes in September 2014, called miway to find out about MiRewards and i was told that i should get payback around dec2014, which never happen. on 20/08/2015 called to find out again about it and i was told that i will only get MiReward dec 2015 bcos, apparently june2012 my premium was paid late.<br> <br> my argument was that, if payment went late then why do i forfeit the entire 2012?<br> shouldn't the system start counting from june 2012 until june 2015 to complete full consistence cycle? <br> then if not, why does my cycle then has to be revert to new 3year cycle, while all payment were done throughout 3years.<br> <br> MiRewards Terms and Conditions<br> 3. Should a client MISS ANY PREMIUM payment in any policy year, the client forfeits any rewards accumulated to date and the earning cycle reverts to a new 3 year cycle.<br> <br> that T&amp