TOTAL MADNESS

I am disappointed by the way Old mutual conduct their service, I want to cancel my policy because of the crisis I have, but when I call I am being told of the restrictions that I have no idea of, even though they are on the contract, I can confidently state that they were not properly explained to me, so isn’t there anything that anyone can do about this matter? Or must I perhaps take this matter to the FAIS Ombud? Because this feels like you guys do not treat your clients with total fairness and are only looking at your own interest. The fact that the policy gives me an option to terminate, it means I can terminate and get my money, instead im being told that I can terminate but only cash out the policy in November 2020, which I find to be very unreasonable, if this is how Old mutual conducts its business, then this is total madness, the restrictions were done by a human and clearly it can also be removed by a human too, even though there would be penalties, I can rather pay that just to get my money and terminate the contract...I even sent an email to their complaints department and a week later i have not heard from them.....Old mutual doesnt act in the best interest of their clients...why is it so difficult to cancel a policy but so easy for them to take premiums?...even a bank is able to cancel fixed deposits accounts so what is so special about old mutual?