Answer
What happens to your money if a crowdfunding campaign does not reach its goal?
Short answer
You get your escrowed pledge back. On CoFunders the pledge never reaches the founder in the first place: it is held by a program on a public network, and if the goal is missed by the deadline every backer can withdraw what was held for them. Fees paid at pledge time are not returned.
The important part is where the money sits while the campaign runs. On a platform that forwards pledges to the founder as they arrive, a refund is a promise: somebody has to still have the money and still be willing to send it back. On one that holds pledges in escrow, a refund is just the money going where it was always going to go if the target was not met.
CoFunders is the second kind, and the escrow is an on-chain program rather than a company bank account. That is a difference you can check rather than take our word for: the account holding a campaign's pledges has an address, the balance is public, and the rule that releases it is code anybody can read. The founder cannot move it early, and neither can we.
There is no form, no support ticket and no deadline for claiming. If a campaign closes short of its goal, the refund is available to every backer for as long as they want to take it, in the same stablecoin they pledged.
What is not refundable is a pledge to a campaign that did reach its goal. At that point the money is with the founder building the thing, which is the entire point of having backed it.