I couldn't find a recent thread on how to check if a UA flight is refundable, and the ones I did find weren't helpful in my case.

From an older thread, it seemed that the "PENALTIES" section of fare rules would be empty if it was a nonrefundable ticket. However, this section in my fare rules is long and has a bunch of "if"s so it is hard to tell if any of these scenarios apply to me. (I pasted it at the bottom)

UA's website also has a cancellation page, or you can pull up a reservation and go through the cancel process. When I do this, the "Reservation Value" section says that my reservation has a value of $300 but then has words that this will not be refunded/credited (I don't know if this just means that it's not automatically refunded, as usually you have to cancel first and then request a refund). However, I seem to be able to change the flight for free - change fee is $0 - which usually means it was non-refundable.

Here is the penalties - what are the simple things to look for? If these words were formatted better, maybe they'd be readable...
16. PENALTIES

FOR ONE WAY -KEY TYPE FARES NOTE - RULE REFX IN DGR
APPLIES
UNLESS OTHERWISE SPECIFIED
CANCELLATIONS
BEFORE DEPARTURE
CANCELLATIONS PERMITTED.
NOTE -
-- EXCHANGE - CHANGE TO 1ST TICKETED FLIGHT /
WHOLLY UNUSED TICKET
--
RESIDUAL VALUE MAY BE REFUNDED OR APPLIED
TOWARD MOST DOMESTIC OR INTERNATIONAL
NEW TICKET PURCHASE AT CURRENT FARE LEVELS.
ANY DIFFERENCE IN FARE / TAX
COLLECTED/REFUNDED AT TIME OF TICKET EXCHANGE.
--
TICKETS MUST BE REISSUED WHEN ANY VOLUNTARY
CHANGE IS MADE.
.
1. WHOLLY UNUSED TICKETS -
CHANGES TO ORIGINATING FLIGHT -
--
REPRICE USING CURRENT QUALIFYING
FARES IN EFFECT TODAY.
--
NO CHARGE OR HIGHEST FEE OF ONLY CHANGED
FARE COMPONENTS. ONLY CHARGE ONE FEE FOR ONLY
CHANGED FARE COMPONENTS IF CHANGED FARE COMPONENTS
HAVE A FEE TO CHARGE.
--
1. ANY CARRIER FARES ARE USED
2. ADV RES IS MEASURED FROM REISSUE DATE TO
DEPARTURE OF PRICING UNIT
3. TKT REISSUE RESTRICTED TO UA OR ANY CARRIER
--
WHEN CHANGE RESULTS IN FARE DIFFERENCE --
--
REFUND RESIDUAL VIA ORIGINAL FORM OF PAYMENT
ADD-COLLECT FARE DIFFERENCE IF ANY // CHANGE FEE
WHEN APPLICABLE
--
AFTER DEPARTURE
CANCELLATIONS PERMITTED.
NOTE -
--CALCULATE DIFFERENCE BETWEEN FARE PAID AND
QUALIFYING FARE FOR TRAVEL COMPLETE
USING FARES OF ORIGINAL TICKET DATE /
REFUND RESIDUAL VALUE IF ANY TO ORIGINAL
FORM OF PAYMENT.
NOTE -
- TICKETS MUST BE REISSUED WHEN ANY VOLUNTARY
CHANGE IS MADE.
.
----
WHEN REFUNDABLE FARES ARE COMBINED ON A HALF
ROUND TRIP BASIS WITH PENALTY OR RESTRICTED FARES
TO FORM A RT/CT/OJ ITINERARY THE MOST RESTRICTIVE
PROVISIONS WILL APPLY.
EXCEPTION -
FARES COMBINED END-ON-END ON THE TICKET//IE
FARES THAT COULD STAND ALONE IF ISSUED ON A
SEPARATE TICKET// MAY BE CHANGED SEPARATELY.
CHANGES
BEFORE DEPARTURE
CHANGES PERMITTED.
NOTE -
--
-------------------------------
--
BEFORE DEPARTURE OF JOURNEY AND WITHIN TICKET
VALIDITY CERTAIN DOMESTIC REISSUE PROVOSIONS
MAY BE OVERRIDDEN BY THOSE OF UA INTERNATIONAL
FARES. -- NO CHARGE -- OR HIGHEST FEE OF
ONLY CHANGED FARE COMPONENT/S/ WITHIN JOURNEY.
--
ONLY ONE FEE IS CHARGED FOR CHANGED FARE
COMPONENT/S/ IF FARE RULE NOTES CHANGE FEE.
--
DOWNLINE DATE CHANGE / FLIGHT CHANGE
SAME BOOKING CODE / KEEP THE FARE
--
REPRICE USING CURRENTLY TICKETED/HISTORICAL FARE--
PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET -
--
1. NO CHANGE TO 1ST FLIGHT COUPON/FARE BREAKS
2. ALL TRAVEL REMAINS DOMESTIC
3. SAME UA FARE USED
4. ALL RULE AND BOOKING CODE PROVISIONS ARE MET
5. VALIDATE ADVANCE RES/TICKETING FROM ORIGINAL
TICKET DATE TO DEPARTURE OF PRICING UNIT
6. TKT REISSUE RESTRICTED TO UA OR ANY CARRIER
--
WHEN CHANGE RESULTS IN FARE DIFFERENCE--
--
REFUND RESIDUAL VIA ORIGINAL FORM OF PAYMENT
ADD-COLLECT FARE DIFFERENCE IF ANY / CHANGE FEE
WHEN APPLICABLE
--
--
FARE BREAK POINT CHANGE PERMITTED
--
A. CHANGED FARE COMPONENTS USE FARE IN EFFECT
TODAY.
B. ALL OTHERS USE CURRENTLY TKTD FARES.
PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET -
1. ANY CARRIER FARES ARE USED
2. TRAVEL IS DOMESTIC
3. ALL RULE AND BOOKING CODE PROVISIONS ARE MET
4. ADVANCE RES IS MEASURED FROM NEW TKT ISSUED
DATE IF CURRENT FARES/FROM PREVIOUS TKT ISSUE
DATE IF HISTORICAL FARES TO DEPARTURE OF
PRICING UNIT
--
WHEN CHANGE RESULTS IN FARE DIFFERENCE--
--
REFUND RESIDUAL VIA ORIGINAL FORM OF PAYMENT
ADD-COLLECT FARE DIFFERENCE IF ANY // CHANGE FEE
WHEN APPLICABLE
--
AFTER DEPARTURE
CHANGES PERMITTED.
NOTE -
--
AFTER DEPARTURE OF JOURNEY AND WITHIN TICKET
VALIDITY CERTAIN DOMESTIC REISSUE PROVISIONS
MAY BE OVERRIDDEN BY THOSE OF UA INTERNATIONAL
FARES.
--
NO CHARGE -- OR HIGHEST FEE OF ANY CHANGED FARE
COMPONENT WITHIN JOURNEY -
--ONLY ONE CHANGE FEE CHARGED FOR CHANGED FARE
COMPONENT/S/ ONLY IF FARE RULE NOTES A CHANGE FEE
IS TO BE CHARGED FOR CHANGE.
--
REPRICE USING CURRENLTY TICKETED/HISTORICAL FARES
DOWNLINE DATE CHANGE / FLIGHT CHANGE
SAME BOOKING CODE / KEEP THE FARE
--
PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET-
1. NO CHANGE TO FARE BREAKS
2. ALL TRAVEL REMAINS DOMESTIC
3. FULLY FLOWN FARE NOT REPRICED TO FURTHER POINT
4. UA FARES ARE USED
5. ALL RULE AND BOOKING CODE PROVISIONS ARE MET
6. ADV RES IS MEASURED FROM ORIGINAL TKT DATE TO
DEPARTURE OF PRICING UNIT
--
FARE BREAK POINT CHANGE PERMITTED
--
A. FULLY FLOWN FARE COMPONENTS USE FARES IN
EFFECT WHEN TKT WAS ISSUED
B. ALL OTHERS USE FARES IN EFFECT TODAY
PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET-
1. NO CHANGE TO FARE BREAKS OF FULLY FLOWN
FARE COMPONENTS
2. ALL TRAVEL REMAINS DOMESTIC
4. FULLY FLOWN FARE NOT REPRICED TO FURTHER POINT
5. UA FARES ARE USED
6. ALL RULE AND BOOKING CODE PROVISIONS ARE MET
7. ADV RES IS MEASURED FROM ORIGINAL TKT DATE IF
CURRENT FARES ARE USED/FROM PREVIOUS TKT DATE
IF HISTORICAL FARES TO DEPARTURE OF PRICING UNIT
--
OR -
--
FARE BREAK POINT CHANGE PERMITTED
--
A. CHANGED FARE COMPONENETS USE FARE IN EFFECT
TODAY.
B. ALL OTHERS USE CURRENTLY TKTD FARE.
PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET-
1. NO CHANGE TO FARE BREAKS UP TO THE FIRST
CHANGED FARE COMPONENT
2. ALL TRAVEL REMAINS DOMESTIC
3. FULLY FLOWN FARE NOT REPRICED TO FURTHER POINT
4. ANY CARRIER FARES ARE USED
5. ALL RULE AND BOOKING CODE PROVISIONS ARE MET
6. ADV RES IS MEASURED FROM NEW TKT ISSUE DATE
IF CURRENT FARES/FROM PREVIOUS TKT ISSUE DATE
IF HISTORICAL FARES TO DEPARTURE OF PRICING UNIT
--
-- WHEN CHANGE RESULTS IN FARE DIFFERENCE --
--
REFUND RESIDUAL VIA ORIGINAL FORM OF PAYMENT
ADD COLLECT FARE DIFFERENCE IF ANY // CHANGE FEE
WHEN APPLICABLE
--