if a refrigerator magnet cant hold a piece of paper against a refrigerator, the forces acting on the magnet must be what?

the refrigerator is iron or steel, therefore the magnet sticks to it.

yes

The term "refrigerator magnet" is ambiguous and may refer to any number of types of magnets. However, typically a refrigerator magnet is going to be relatively weak and made of the most inexpensive materials available. Hard refrigerator magnets are likely iron. Flexible refrigerator magnets are made of bonded ferrite powders; barium ferrite is among the most common.

In general classification, a refrigerator magnet is a permanent magnet.

it is a magnet and you just stick it to your fridge