Hi forum,

I am pricing up a one-way ticket from a Canadian airport to a US airport on United. I specifically select "fully refundable" fares checkbox when finding my itinerary. When I get to the ticket offer, I find these fare rules for fare basis GAA5AFFN and fare class P:
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CANCELLATIONS TICKET IS NON-REFUNDABLE IN CASE OF NO-SHOW/REFUND. NOTE - -- TICKET IS NON-REFUNDABLE -- TAX - US/ZP/XF - WILL NOT BE REFUNDED -- THE NON-REFUNDABLE CANCELLATION AMOUNT OF THE TICKET BEING EXCHANGED REMAINS NON-REFUNDABLE AND CARRIED FORWARD IN THE ENDORSEMENT BOX OF THE NEW TICKET CHANGES BEFORE DEPARTURE CHANGES PERMITTED FOR REISSUE. NOTE - -- -- //// CHANGE FREE OF CHARGE //// -- -- BEFORE DEPARTURE OPTIONS - -- BEFORE DEPARTURE OF JOURNEY AND WITHIN TICKET VALIDITY CANCEL OF TICKETED RESERVATIONS OF A WHOLLY UNUSED TICKET - TRAVEL MUST BEGIN WITHIN ONE YEAR OF THE ORIGINAL TICKET ISSUE DATE EXCEPTION - FOR TICKETS ISSUED ON/BEFORE 12/31/22 TRAVEL MUST COMMENCE BY 12/31/23 -- THE NON-REFUNDABLE AMOUNT OF THE TICKET BEING EXCHANGED REMAINS NON-REFUNDABLE AND CARRIED FORWARD IN THE ENDORSEMENT BOX OF THE NEW TICKET -- QUALIFYING CURRENT DAY FARE CANCEL OF TICKETED RESERVATIONS OF A WHOLLY UNUSED TICKET / CHANGE TO 1ST TICKETED FLIGHT COUPON -- REPRICE USING --CURRENT FARES-- IN EFFECT TODAY -- PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET- 1. UA FARES ARE USED EXCEPT EOU/ERU 2. FARE BREAK POINT CHANGES ARE PERMITTED 3. VALIDATE ADVANCE RESERVATION REQUIREMENTS 4. ADVANCE RESERVATION/TKG IS MEASURED FROM REISSUE DATE TO DEPARTURE OF PRICING UNIT -- -- RESIDUAL VALUE WILL BE IGNORED/FORFEITED ON NON-REFUNDABLE FARE TICKETS -- COLLECT FARE DIFFERENCE IF APPLICABLE -- -- CHANGES DOWNLINE - -- RESERVATION CHANGES TO TICKETED DOWNLINE DATE / FLIGHT // SAME BOOKING CODE // SAME FARE BASIS CODE / SAME FARE CLASS // KEEP THE FARE -- REPRICE USING CURRENTLY TICKETED/HISTORICAL FARE PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET - -- 1. NO CHANGE 1ST FLIGHT COUPON / NO CHANGE TO FARE BREAKS 2. ALL TRAVEL REMAINS DOMESTIC 3. SAME UA FARE USED EXCEPT EOU/ERU 4. ALL RULE AND BOOKING CODE PROVISIONS ARE MET INCLUDING RES/TKG 5. VALIDATE ADVANCE RES/TICKETING FROM ORIGINAL TICKET DATE TO DEPARTURE OF PRICING UNIT -- -- REFUND NOT APPLICABLE EVEN REISSUE -- RESERVATION CHANGES TO TICKETED FARE BREAK POINT CHANGE PERMITTED / OR REMAIN THE SAME / BOOKING CODE CHANGE -- A. CHANGED FARE COMPONENTS - USE FARE IN EFFECT TODAY - CURRENT - DAY TARIFF B. ALL OTHER FARE COMPONENTS - USE TICKETED FARE. PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET -- 1. NO CHANGE TO FARE BREAKS UP TO THE FIRST CHANGED FARE COMPONENET 2. WHEN NO INTL COUPONS REMAIN - ALL NEW TRAVEL MUST BE DOMESTIC 3. UA FARES ARE USED EXCEPT EOU/ERU 4. ALL RULE AND BOOKING CODE PROVISIONS ARE MET 5. 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 -- RESIDUAL VALUE TO BE IGNORED / FORFEITED -- COLLECT FARE DIFFERENCE IF APPLICABLE -- AFTER DEPARTURE CHANGES PERMITTED FOR REISSUE. NOTE - -- -- //// CHANGE FREE OF CHARGE //// -- -- AFTER DEPARTURE CHANGE OPTIONS - -- -- AFTER DEPARTURE OF JOURNEY AND WITHIN TICKET VALIDITY OF A PARTIALLY USED TICKET - TRAVEL WILL BE VALID FOR TRANSPORTATION FOR ONE YEAR FROM THE DATE ON WHICH TRANSPORTATION COMMENCES AT THE POINT OF ORIGIN AS DESIGNATED ON THE ORIGINAL TICKET -- THE NON-REFUNDABLE AMOUNT OF THE TICKET BEING EXCHANGED REMAINS NON-REFUNDABLE AND CARRIED FORWARD IN THE ENDORSEMENT BOX OF THE NEW TICKET -- REPRICE USING CURRENLTY TICKETED/HISTORICAL FARES -- PROVIDED ALL OF THE FOLLOWING CONDITIONS ARE MET- -- TICKETED DOWNLINE DATE CHANGE / FLIGHT CHANGE // SAME BOOKING CODE // SAME FARE BASIS CODE / KEEP THE FARE -- 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 EXCEPT EOU/ERU 5. ALL RULE AND BOOKING CODE PROVISIONS ARE INCLUDING ADVANCE RESERVATION/TICKETING 6. ADV RES IS MEASURED FROM ORIGINAL TKT DATE TO DEPARTURE OF PRICING UNIT -- REFUND NOT APPLICABLE EVEN REISSUE -- -- FARE BREAK POINT CHANGE PERMITTED / OR REMAIN THE SAME / BOOKING CODE CHANGE -- REPRICE AS FOLLOWS - -- A. FULLY FLOWN FARE COMPONENTS - USE FARES IN EFFECT WHEN TICKET WAS ISSUED B. CHANGED FARE COMPONENTS - USE CURRENT FARES IN EFFECT TODAY EXCEPT EOU/ERU C. UNCHANGED FARE COMPONENTS - USE CURRENTLY TICKETED FARES -- 1. ALL TRAVEL REMAINS DOMESTIC 2. UA FARES ARE USED 3. ALL RULE AND BOOKING CODE PROVISIONS ARE MET 4. ADV RES IS MEASURED FROM NEW TKT ISSUE DATE IF CURRENT FARES 5. FROM PREVIOUS TICKET ISSUE DATE IF HISTORICAL FARES TO DEPARTURE OF PRICING UNIT -- -- RESIDUAL VALUE TO BE IGNORED / FORFEITED ON NON-REFUNDABLE FARE TICKETS -- -- COLLECT FARE DIFFERENCE IF APPLICABLE --
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Having a brain sized like a dried-up raisin, this is all quite hard for me to grasp.
" TICKET IS NON-REFUNDABLE" etc sounds to me like I am getting a nonrefundable ticket even though I used the checkbox for fully refundable fares.
Is someone here knowledgeable enough to tell from the quote above if the ticket is truly fully refundable or not?

Many thanks.
S.