Помогите с переводом с английского условий тарифа на самолет

На разных сайтах нашла одни и те же билеты, но где-то (по-русски) написано, что возврат не возможен, а обмен ---разрешен, а на других сайтах написано, что и обмен не разрешен. Моих знаний не хватает, чтобы понять, что там на самом деле. Текст длинный, но... Я никак не могу вычленить нужное. Поняла только, что при отказе в визе нужно взять справку об этом в посольстве, тогда можно что-то вернуть. А если я решу только обратно лететь в другой день, то что?

16. PENALTIES
UNLESS OTHERWISE SPECIFIED NOTE - RULE 016E IN IPRG100
APPLIES
UNLESS OTHERWISE SPECIFIED
NOTE -
GENERAL CONDITIONS -
ALL CHANGES REQUIRE TICKET REISSUE.
FOR NON REFUNDABLE FARES THE YQ/YR SURCHARGE WILL
NOT BE REFUNDED.
IN CASE OF NO SHOW THE YQ/YR SURCHARGE WILL NOT BE
REFUNDED.PASSENGER IS CONSIDERED AS NO SHOW
ON/AFTER THE DATE OF THE ORIGINALLY SCHEDULED
FLIGHT.
-------------------------------------------------
NONREFUNDABLE AMOUNT REMAINS NONREFUNDABLE IF
CHANGED/UPGRADED TICKET IS SUBSEQUENTLY CANCELLED.
REFUND OF UNUSED FEES AND TAXES PERMITTED.
REFUND IS NOT PERMITTED WITHIN 48 HOURS AFTER
FLIGHT DEPARTURE.
FULL REFUND PERMITTED BEFORE DEPARTURE IN CASE OF
REJECTION OF VISA. EMBASSY STATEMENT REQUIRED.
--------------------------------------------------
CANCEL/CHANGE RESTRICTIONS APPLY PER SECTOR.
--------------------------------------------------
IN CASE OF CANCEL/CHANGE OF MORE THAN ONE SECTOR
AT THE SAME TIME THE PENALTY FEE WILL BE THE
HIGHEST OF ANY CANCELED/CHANGED FARE COMPONENT IN
THE ITINERERY.
--------------------------------------------------
CHD/INF DISCOUNTS APPLY.
REROUTING PERMITTED.
DOWNGRADING NOT PERMITTED.
CANCELLATIONS
ANY TIME
TICKET IS NON-REFUNDABLE.
CHANGES
ANY TIME
CHANGES PERMITTED.
NOTE -
UNUSED TICKET-
FOR TOTALLY UNUSED TICKET RECALCULATE USING FARES
APPLICABLE AT THE TIME OF REISSUE.
- CHANGES MADE AT LEAST ONE DAY BEFORE THE DATE OF
THE ORIGINALLY SCHEDULED FLIGHT PERMITTED TO THE
SAME OR ANY HIGHER APPLICABLE FARE UPON PAYMENT OF
PENALTY OF EUR 80 PLUS FARE DIFFERENCE IF ANY-
SUBJECT TO TICKET REISSUE PROVIDED ALL CONDITIONS
OF A NEW FARE ARE MET INCLUDING ADVANCE PURCHASE.
- CHANGES MADE ON/AFTER THE DATE OF THE ORIGINALLY
SCHEDULED FLIGHT PERMITTED TO THE SAME OR ANY
HIGHER APPLICABLE FARE UPON PAYMENT OF PENALTY OF
EUR 160 PLUS FARE DIFFERENCE IF ANY SUBJECT TO
TICKET REISSUE PROVIDED ALL CONDITIONS OF A NEW
FARE ARE MET INCLUDING ADVANCE PURCHASE.
- IF NEW FARE IS LOWER THAN ORIGINAL FARE PAID -
NO REFUND WILL BE GIVEN.
-------------------------------------------------
PARTIALLY USED TICKET-
FOR PARTIALLY USED TICKET RECALCULATE USING FARES
APPLICABLE AT THE TIME OF THE FIRST TICKET
ISSUANCE.
- CHANGES MADE AT LEAST ONE DAY BEFORE THE DATE OF
THE ORIGINALLY SCHEDULED FLIGHT PERMITTED TO THE
SAME OR ANY HIGHER APPLICABLE FARE UPON PAYMENT OF
PENALTY OF EUR 80 PLUS FARE DIFFERENCE IF ANY -
SUBJECT TO TICKET REISSUE PROVIDED ALL CONDITIONS
OF A NEW FARE ARE MET INCLUDING ADVANCE PURCHASE.
- CHANGES MADE ON/AFTER THE DATE OF THE ORIGINALLY
SCHEDULED FLIGHT PERMITTED TO THE SAME OR ANY
HIGHER APPLICABLE FARE UPON PAYMENT OF PENALTY OF
EUR 160 PLUS FARE DIFFERENCE IF ANY - SUBJECT TO
TICKET REISSUE PROVIDED ALL CONDITIONS OF A NEW
FARE ARE MET INCLUDING ADVANCE PURCHASE.
- IF NEW FARE IS LOWER THAN ORIGINAL FARE PAID -
NO REFUND WILL BE GIVEN.