with the recent change what is the policy to refund for unused time?
I would say the same amount you would get out a bankruptcy.
There is no such thing as "VIP". However, if you are referring to Premium Access, I can say that in almost five years of being a moderator, I have not read anything in the staff area about a refund policy.
If you are serious, send an email message to websupport@eccie.net and make your case. Good Luck.