The 'Cancel subscription / downgrade / non-renewal' section still says "For refunds, follow the approval limits in the private handbook" — but this PR just published those limits inline, six lines below in the Refund request section. Consider updating that reference to point to the new inline block (e.g. "For refunds, see the approval limits under Refund request below") so readers in the cancellation branch aren't sent to a private source for numbers that now live in the same file.