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IndieGogo and KickStarter etc. are essentially just advertising platforms. Trying to go after them because a project fails is as ludicrous as going after your local paper because the second hand car you bought via the classifieds turns out to be nicked. If you really want a secondary target, pay by credit card and then invoke S. 75 of the Consumer Credit Act 1974 to get a refund from VISA et. al.