agree with above.
Here are (my?) actual definitions:
Sump is a liquid container at the bottom of the system where liquid flows to.
Refugium is a protected area where algae can grow protected from the livestock. Much like a wildlife refuge only that is where wildlife is protected from civilization.
Normally the sump and refugium are below the tank but not necessarily.
Consider: a system where water is pumped to a container acting as a refugium above the display and then returned to the display. In that case the display is the sump.
Also consider a similar system where water is pumped to a higher container for filtering,dosing etc etc. then returned to the lower display. Plus the display is partitioned with algae growing on one side of the partition and fish on the other side. In that case the display is actually the display, sump, and refugium all in one.
my .02