My screenshots during booking and my fare rules do show that the ticket is refundable, it was just the email confirmation that had some other language at the bottom that threw me off. Several posters, including yourself, did mention that it's just standard language and likely doesn't apply to my ticket and this was confirmed by Chase reps and I certainly hope it does hold true.

So I guess it's different than the OP situation where Chase did show during booking that it wasn't refundable which conflicted with the fare rules showing it was. By me both showed refundable, it was only in the email confirmation that they put their standard protocol and wrote that it isn't. It would be nice if they're consistent and stop confusing people.