Is this ticket refundable/changeable or what?

I'm booking a South African flight through the UA website because SAA won't let me. On the Rules pop-up description, it is Fare Class M and Fare Basis Code MOWSL. The text reads:

FARE RULES TEXT
CANCELLATIONS
BEFORE DEPARTURE
CANCELLATIONS PERMITTED FOR CANCEL/REFUND.
CHILD/INFANT DISCOUNTS APPLY.
WAIVED FOR UPGRADE TO HIGHER FARE/ILLNESS OF PASSENGER
OR DEATH OF PASSENGER OR FAMILY MEMBER.
NOTE -
WAIVERS MUST BE EVIDENCED BY DEATH CERTIFICATE OR
HOSPITAL ACCOUNT/ADMISSION FORM.
- - -
THE ORIGINAL NON-REFUNDABLE AMOUNT REMAINS NON-
REFUNDABLE.
INFANTS PAYING 10 PCT OF THE ADULT FARE IS
EXEMPT.
----
NO SHOWS WILL BE TREATED AS CANCELLATIONS AND
MUST BE SUBMITTED FOR REFUND IF ANY. TICKET MAY
NOT BE USED FOR FURTHER TRANSPORTATION.
- - -
WHEN COMBINING FARES ON A HALF ROUND TRIP BASIS
THE MOST RESTRICTIVE CANCELLATION CONDITIONS
APPLY FOR THE PRICING UNIT.
- - -
WHEN COMBINING FARES END-ON-END THE MOST
RESTRICTIVE CANCELLATION CONDITION WILL APPLY FOR
EACH PRICING UNIT.

To me that sounds refundable and changeable within limits. But when I get to the actual booking it says:
Terms and Conditions
This ticket is nonrefundable.
You will have up to 24 hours to change your mind.

So which is it? Thank you.