This is the real problem with these great business class fares. I had 4 tickets in August that I had to abruptly cancel and it took a day to get to the bottom of the fare rules. Admittedly I had not even read these carefully, but for my discount J fare they were definitely a per component cancellation fee. So we had LON-OPO-LIS-JFK and were told it would be the feex3. We also were told that the YQ is not refundable. In the end we wound up rebooking for April 2020, we were able to get LHR-LIS-SFO for about the same price, minus a change fee (only per direction, not per component). In then end it was such a hassle that AMEX (who I booked original flights through) gave me a credit to cover the change fee, so it was close to nothing forthe change.
But for refunds, I am now considering these cheap tickets essentially non-refundable.