whole wheat is unrefined, most of the whole kernel is ground up, without removing anything except the inedible husk.
refined grain has the bran and the germ removed, leaving only the starch and a little protein.
refined grain can then be further ruined by bleaching to make it look whiter, but it still is refined even without the bleach.
so you can have refined (as opposed to whole wheat) Matzoh, but you cant have bleached-flour Matzoh.
the term “white” flour can refer to refined flour either bleached or unbleached.