I want to invest in an ICO yet want to invest in something that can refund me in case I need to pull out the money for an emergency. Know any companies that honor that?
I know of one ICO that refunded all participants when the minimum goal of ether wasn't reached. I don't know of any ICO that would let you request a withdrawal at your request before the tokens have been issued. That's the risk you take. It should be explained in the T&Cs.