Is any of this money refundable if you get into the process and change your mind and do not want to adopt? Is there any case money can be refunded for any reason?
At the IAC, there is a refund policy that allows a diminishing amount of refund through the first year you work with the agency. There is no refund after you have been working with the agency for a year. At IAC you pay fees on a schedule as you receive services from the agency, for example when you find a match we provide counseling services including a match meeting, and that's when your match fee becomes due.
To see a copy of the refund policy, you can download the contract here and look at the last few pages where the refund policy is described in detail.