You got most things right about UDP and TCP. They both work in the transport layer of the OSI model. They are also completely different protocols, related yes but independent.
UDP is "simpler" as it basically throws data packages in to the network and hope they reach their destination. TCP on the other hand has checks in place that verifies that a data package has actually reached its destination.
"Page refresh". You mean F5 (or ctrl + r) right?