If my cancellation policy is Moderate and someone is checking in this Friday - is too late for them to cancel or do they have until 4pm (check-in time) today to cancel?
I believe Sunday at 4pm was the cutoff.
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Actually, if you go to the cancellation policy page right now. The example they give shows you exactly what you want to know.
Edit: attaching the image for reference. The colored bar shows exact times.
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You are right!! Thank you!! I just finally found an example and it just happened to be using the same check-in day. I got confused and was worried that it was 5 days: Mon at 4, Tue at 4, Wed at 4, Thur at 4, Fri at 4.
However, it seems to be 5days: Sun-Thur for prior to the check-in date but they only say “check-in” so I thought check-in time, which kind of works out to 6 days in my mind, but am happy nonetheless 
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I’m thinking my guest hasn’t figured this out yet and thought the same as I did. It’s a very inflated-price for the weekend and I will go to the death for my 1st night and 50% on this one. LOL. I appreciate your help!!
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I did not realize they automatically got refunded if they left early. Has it always been that way?
Yes this is the same as I signed-up with over a year ago. I wouldn’t say they automatically get refunded, it would depend on the case. And even then, it’s 24 hours after and you still get 50%.
I had someone (my racist guests) leave early and they didn’t get any refund at all. They were stupid. Too stupid to cancel 
so they didn’t get a cent back.
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