The term 'hardly refined' can be described by the crossword solutions of OAFISH (6 letters), COARSE (6 letters), CRASS (5 letters), and HORSY (5 letters). OAFISH means clumsy or awkward, while COARSE implies something that is rough or harsh. CRASS is a synonym for rude or insensitive, and HORSY is an adjective used to describe someone who is unrefined or uncouth. All of these words together suggest that the term 'hardly refined' is used to describe someone or something that is not sophisticated or well-mannered.