Kiwi have about the worst refund policy you'll find anywhere. They lead you to believe you can get a refund with statements like "you can cancel your flight up to 48 hours before departure" but they do not disclose that the refund is only 2% of what you paid, which is given to you as flight credit for rebooking. You click on 'refunds and cancellations' on your booking screen, and the popup that comes up is blank, I assume that's where they're meant to state that the refund is only 2% of the fare. Even in the refund terms and conditions it doesn't state refund is only 2%.
Dealing with their customer service is very stressful, they know exactly what they're doing but play dumb, and insist that the customer was 'well informed' of their refund policy.