That's a good question - it looks like you toss the money away on the chance that the goal is met - there's no mention of whether or not you get the money back if they don't meet the goal. It's a great deal, but it's also a little cheesey/flaky. That said I have version 4.5 and been considering upgrading. I'm somewhat annoyed that there's no bug fixes at all for 4.5 that are being released, so any of the issues that I have with the software require an upgrade to get a fix.