1. No, there is no automatic right to a refund. However, if you booked your flight on or after 10 June, you can change your flight to a new date up to and including 21 March 2021 without paying change fees. Any fare difference will need to be paid, if the new flights cost more.

2. If any of the flights in your booking is cancelled by the airline, you will receive details which will then allow you to request a refund.

If you didn't book directly via Ryanair, i.e. you bought via a third party or travel agent, then changing the flights and/or requesting an eventual refund will be far more problematic than if you booked directly on the Ryanair app or website.