Dreamer Rules

A dream is a genuine personal goal you want to pursue with voluntary financial support from other people. On cohero, a person seeking support is a Dreamer and a person giving support is a Backer. Your dream must describe a lawful objective, the money needed and a sequence of specific milestones that show meaningful progress.

cohero is operated by Fenkil Technologies LTD, which provides the platform and holds backing funds per milestone. Fenkil Technologies LTD is not a party to the gift between a Backer and a Dreamer. Publishing or approving a dream does not mean we guarantee its truth, its completion, the suitability of your plans or the availability of any professional service you may need.

A dream is not a shop listing, a paid commission, an investment prospectus or a loan application. Backers receive no ownership, equity, profit share, interest, repayment or rewards in exchange for backing. You may thank people and share updates, but must not promise a product, service or other benefit as the consideration for a gift.

Your goal can be ambitious, but the published plan must be understandable and capable of being assessed through evidence. A vague request for money with no coherent purpose or milestones is not sufficient. Read these rules alongside the Terms of Service, Community Guidelines, Backing & Gift Policy and Trust & Safety before submitting a dream.

You must be at least 18 years old, use your real identity and operate your own account. One person may have only one account; the same account can act as both Dreamer and Backer. Sign in with your own email address and password, and do not share credentials or publish through another person to bypass a restriction.

You must be able to explain your personal connection to the goal and take responsibility for its description, progress, proof and communications. Do not impersonate a beneficiary, professional, business owner or representative of an organisation. A false identity, stolen photograph or invented qualification is grounds for rejection or enforcement.

• Have the permissions and rights needed for the activities and material described in the dream.
• Be able to provide truthful supporting information when reasonably requested during review.
• Do not use an additional account to make your dream appear more popular or to return after a ban.
• Do not let a minor operate your account or collect support through it as if they were an eligible account holder.

Creating a draft is free, but publishing requires an active Dreamer membership and team approval. Eligibility to use the platform is separate from any legal permission needed for your particular activity. Review does not replace licences, professional advice, consent or any restrictions imposed by law or our payment partner.

We welcome lawful personal goals across education, business, health, art, travel, home and other appropriate areas. Category examples illustrate possible uses, not automatic approval. Every dream must still satisfy the gift model, content rules, consent requirements and evidence standards in this policy.

• Education: tuition, course materials, a vocational qualification or equipment needed to learn a skill, with milestones tied to enrolment and documented progress.
• Business: tools for your own workshop, a small studio or a lawful independent venture, without offering shares, repayment, profits or products to Backers.
• Health and accessibility: personal care costs, mobility aids or accessibility adaptations, without unsupported treatment claims or unnecessary disclosure of medical records.
• Arts and culture: developing your own portfolio, recording original work, creating an exhibition or acquiring materials, without promising copies or tickets as backing rewards.
• Travel and personal growth: a lawful educational trip, a specific journey or participation in a meaningful event, with realistic arrangements and required permissions.
• Home and everyday life: essential repairs, basic household equipment or an accessibility improvement where you have authority to undertake the work.

Explain what is personal to your dream and how the requested money relates to the stated outcome. A category label such as education or health cannot be used to disguise a prohibited activity, financial scheme or unsupported medical claim. Where your plan touches more than one category, describe the relevant elements rather than omitting the sensitive part.

Uncertainty is acceptable when disclosed, but an objectively impossible plan or one dependent on permissions you cannot realistically obtain may be rejected. Choose a scope you can manage and show why each milestone represents genuine progress. Do not promise certainty merely because the underlying purpose is sympathetic.

We prohibit dreams whose purpose, likely implementation or supporting content involves unlawful conduct or unacceptable harm. Some prohibitions apply even if an activity is lawful where you live. Review considers what the dream would actually finance, not only the title or the category selected.

• Illegal goods or services, stolen property, counterfeit goods, trafficking, exploitation, money laundering or assistance to commit fraud.
• Weapons, ammunition, explosives, weapon components or equipment and instructions intended to enable violent harm.
• Illicit drugs, controlled substances obtained outside lawful channels, drug trafficking, or equipment and services intended to facilitate unlawful drug activity.
• Violence, terrorism, recruitment for violent groups, targeted intimidation, self-harm promotion or dangerous challenges.
• Pornography, sexually explicit content, sexual services, sexual exploitation or non-consensual intimate material.
• Hateful objectives, discriminatory harassment, dehumanisation or support for groups promoting violent hate.
• Hacking, credential theft, malicious software, privacy invasion, doxxing or unlawful surveillance.

Do not hide a prohibited objective behind ordinary-looking purchases such as travel, storage, research or equipment. If the actual purpose is harmful, financing preparatory steps is prohibited as well. Breaking an objective into separate dreams, replacing explicit terms with coded language or linking to an external explanation does not make it eligible.

Context can matter for lawful education or creative discussion, but those labels do not permit operational assistance for harm. We may ask you to explain an ambiguous item and its intended use, or decline a proposal where the risk cannot reasonably be addressed. Do not treat the absence of a named example as permission to pursue a substantially similar harmful purpose.

The gift model is essential to cohero. A Backer’s contribution is a voluntary, unconditional gift, not a financial product, purchase or charitable tax arrangement. The following purposes and representations are not permitted, whether included in a dream, a milestone, an update or a private offer to a Backer.

• Investments, equity, shares, securities, profit participation, revenue sharing or any promise of a financial return.
• Loans, peer lending, repayment arrangements, debt instruments, interest payments or backing that must later be paid back.
• Financial products, pooled investment schemes, speculative trading funds or schemes to multiply a Backer’s money.
• Gambling, betting, lotteries, raffles, prize draws or payment for a chance to win a benefit.
• Political campaigns, candidate fundraising, party fundraising or attempts to fund electoral campaigning through a personal dream.
• Pyramid schemes, recruitment-based earning programmes or schemes funded primarily by payments from new participants.
• Medical cures or treatment claims that are false, unsupported or misleading, and unsafe medical experimentation.
• Funding for a third party without that person’s informed consent or without authority to use their story, likeness and information.
• Rewards-based sales, advance orders, paid access or disguised purchases offered as the reason to back.
• Claims that a dream is a registered-charity donation or that backings automatically qualify for a tax deduction.

A lawful personal business dream may be eligible when the support remains a gift and no investment or purchase is offered to Backers. A personal health dream may describe care needs without claiming a guaranteed cure. A family-related dream must explain your own role, obtain appropriate consent and protect the other person’s privacy rather than impersonating them.

Do not move a prohibited promise into chat or an external website after describing the public dream as gift-based. Side agreements offering interest, repayment or rewards are inconsistent with these rules. If you are unsure whether your plan crosses a boundary, contact hello@coheroapp.com before asking anyone to give.

Every material statement in your dream must be truthful, current and sufficiently clear for a Backer to understand the plan. Describe who you are, what you intend to achieve, why support is needed and what remains uncertain. Do not fabricate hardship, qualifications, partnerships, urgent deadlines, endorsements or evidence of prior work.

Distinguish completed work from planned work and estimates from confirmed costs. Explain dependencies such as admission decisions, permits, supplier availability, health limitations or access to premises when they materially affect feasibility. Do not describe an application as an acceptance, a quotation as a purchase or a draft design as a completed result.

• Use photographs and documents you are entitled to share, with a clear explanation if an image is only illustrative.
• Identify generated or substantially altered media where it could otherwise be mistaken for authentic evidence.
• Disclose other support or resources where omitting them would make the budget or need materially misleading.
• Correct material errors promptly and tell existing Backers about important changes.

You need not expose intimate personal information merely to make a compelling story. Give enough truthful information to explain the goal and evidence the milestones while redacting unnecessary sensitive details. If you cannot substantiate an essential claim without compromising another person’s rights, change the proposal or ask support about a safer approach rather than making an unsupported assertion.

Your dream’s goal must equal the sum of its milestone amounts. Each milestone should have a specific purpose, an appropriate amount and a credible explanation of what completion means. Avoid a large unexplained final milestone or several nominal early milestones designed only to accelerate releases.

Build a budget from realistic estimates or quotations and state the assumptions that matter. Account for practical expenses, any taxes you may owe and the platform fee when assessing whether the net funding can support your plan. Do not inflate costs, invent invoices or describe a reserve as an already incurred expense.

A 15% platform fee, called the backer deposit fee, is deducted from each backing. The Backer pays exactly the amount they choose, not that amount plus the fee, and the net amount is available for allocation to milestones. The fee is non-refundable, including when unreleased funds are returned, so do not calculate your usable budget as if every unit backed reaches you.

Payments are charged in USD; displays in other supported currencies are approximate conversions for convenience, and a bank or card issuer may apply its own rate or fees. The minimum backing is $5, with no maximum. Explain meaningful currency uncertainty in your costs rather than promising an exact local-currency outcome that you cannot control.

Milestones divide the dream into a logical sequence of verifiable progress. They must be proven in order, and backing money is allocated across them in order. Design each step so a Backer can understand the activity, the amount allocated and the evidence you expect to provide before deciding whether to release their share.

Use concrete outcomes instead of labels such as first stage or almost done. For example, a learning dream might distinguish confirmed enrolment, completion of a defined module and a final assessment; an art dream might distinguish a documented prototype, a completed body of work and an installed exhibition. Examples are not mandatory templates and must fit your actual circumstances.

• Identify the work or result covered by each milestone and how it advances the overall goal.
• State a reasonable expected timetable and describe dependencies without guaranteeing dates you cannot control.
• Match the amount to the relevant activity rather than placing most funding in an unverifiable step.
• Choose evidence that can be produced lawfully without exposing another person’s unnecessary personal information.

Remember that evidence is submitted before a Backer releases money for that milestone. Do not build a plan that relies on automatic advance release or claim the platform will front the cost of an uncompleted step. Explain how any upfront needs will be managed; if the sequence cannot work with the release process, redesign it before submitting.

For each milestone, submit accurate proof showing that the stated step has been completed. Proof can include photographs, documents and a clear description; the appropriate combination depends on the milestone. An assertion alone may be insufficient where a receipt, confirmation or visible result could reasonably substantiate the claim.

• Explain what was completed, when it happened and how it matches the milestone description.
• Use relevant, legible documents such as an enrolment confirmation, receipt, completion record or supplier confirmation, as appropriate to the actual step.
• Provide photographs or other media that show the result and enough context to connect it to your dream.
• Explain any difference from the original plan and any limitations in the evidence.
• Redact unnecessary sensitive details while leaving the facts needed to assess completion understandable.

Good proof establishes progress, not merely spending. A receipt for materials does not prove a finished installation if the milestone promised installation; a reservation does not prove a completed trip. Conversely, do not upload an entire medical file when a suitably redacted confirmation can evidence the relevant expense or event.

Never reuse unrelated media, alter dates or amounts, stage a result that did not occur or present generated content as documentary proof. Obtain permission for other people’s work or personal information included in evidence. If a Backer requests more information, answer the relevant question honestly rather than treating the request as an insult or pressuring them to approve.

Each Backer reviews the proof and either releases their own share for that milestone or requests more information. One Backer’s approval does not release another Backer’s money. Milestones must be proven in order; you must not seek release for a later stage by labelling it as an earlier completed step.

If a Backer does not release a milestone within 14 days after proof is submitted, that Backer’s unreleased money for that milestone and all later milestones is returned automatically. This is not an automatic release to you when the review window expires. Do not assume that a request for information, a chat conversation or an appeal resets or pauses the window.

Money released for a milestone is paid out to the Dreamer and is final: it cannot be refunded through the platform. Unreleased funds remain subject to the milestone process and may be returned by administrators, including for fraud, a rules breach or abandonment. The 15% fee is retained on returns, which go to the original payment method where possible.

An unconditional gift does not give a Backer ownership or control of your life, but it also does not remove the agreed milestone holding and release process. Do not promise guaranteed refunds, automatic approval or immediate access to the full goal. For the complete gift and fund-handling terms, consult the Backing & Gift Policy.

Communicate honestly throughout the dream, including when progress is slower than expected. Explain meaningful developments, delays, changed assumptions and obstacles that affect the plan. An update should help Backers understand the present position rather than repeatedly asking for more support without addressing outstanding questions.

A Backer can open a chat with you from a dream, which also saves the dream. Respond respectfully to relevant questions and requests about milestone proof, while maintaining reasonable personal boundaries. Typing indicators, online status and Seen receipts do not create a requirement for immediate replies or continuous availability.

• Give a factual account of completed work and remaining tasks.
• Explain the effect of a delay on later milestones and what you are doing about it.
• Correct inaccurate claims and identify material changes instead of silently rewriting the story.
• Do not pressure a Backer to release funds through guilt, threats, romantic attention or promises of a return.

Backers may choose to remain anonymous: their identity is not shown to you or the public unless they choose to chat, although administrators can see it. Respect that choice and do not seek to uncover or publish their identity. Thank-you messages and updates are permitted, but do not turn them into obligations to provide rewards or access.

Use released funds honestly for the dream and the purposes you described. Maintain a reasonable record of relevant spending and progress so you can answer legitimate questions or substantiate milestone evidence. A gift is not a product purchase, but obtaining it through a false account of its intended use is still prohibited.

Do not divert support to prohibited activities, unrelated personal spending concealed from Backers, undisclosed third-party fundraising or payments that help someone evade platform safeguards. Do not recycle gifts among accounts to manufacture apparent backing. Never seek or accept an outside-platform payment as a way to bypass the milestone process.

If circumstances require a material change in spending or scope, explain it clearly to Backers and contact support where it affects the approved dream or milestone structure. Do not assume that you can privately redefine an already published milestone or treat earlier approval as consent to an unrelated plan. Provide a truthful account of any funds already used and what remains achievable.

You remain responsible for permissions, contracts and legal obligations associated with your spending. cohero does not become the employer of a contractor, buyer of equipment or provider of professional care because money was raised here. Keep payment credentials secure and never pay an alleged support representative a private fee to obtain a payout.

Every dream is reviewed by our team before going live. The normal status sequence is draft, pending review, then live or rejected. A private draft lets you prepare your story, budget, media and milestones without publishing it in the swipe feed; submission for review is not a promise of approval.

During review we may assess eligibility, clarity, consistency, prohibited purposes, identity concerns, consent, evidence plans and compliance with these rules. We may request clarification or supporting information and may reject a submission that does not provide a workable, truthful plan. Review does not verify every statement or replace a Backer’s own judgment.

• Reasons for rejection include prohibited content, misleading claims, impersonation or a purpose inconsistent with unconditional gifts.
• A goal that does not equal the sum of milestones, vague outcomes or an unrealistic release sequence may require revision.
• Missing permissions, third-party consent, rights to media or material supporting information may prevent approval.
• Unsafe claims, privacy risks, unverifiable proof plans or attempts to evade prior restrictions may lead to rejection.

If a dream is rejected, read any explanation and correct the underlying issue before seeking another review. Do not repeatedly submit the same prohibited proposal under different titles or accounts. Approval does not prevent later hiding or removal if new information, a material change or a rules breach comes to our attention.

Backers can use the platform for free, and Dreamers can create and prepare private drafts for free. To publish a dream and make it visible in the swipe feed, you need an active monthly Dreamer membership at $29 per month. Membership does not buy approval, preferential proof acceptance or an entitlement to receive backing.

Membership renews automatically every month until cancelled. You may cancel at any time in your profile, and access continues to the end of the paid period. Partial months are not refunded except where required by law; see the Membership & Billing Terms for the applicable billing rules.

If your membership lapses, your dreams are hidden from the feed. Existing Backers and chat partners can still see them, and milestone reviews continue. A lapse does not erase your duty to provide truthful information or give you automatic access to held funds.

Prices may change with advance notice. The membership price and the 15% fee deducted from backings are separate charges with different purposes; paying one does not remove the other. Do not describe membership as insurance that the dream will attract support, succeed or recover its costs.

You are responsible for understanding and meeting your own tax obligations on gifts received. The tax treatment of a transfer can depend on your location, circumstances and the nature of your activity. Calling support a gift on cohero does not guarantee a particular tax classification under every applicable law.

Backings are not donations to a registered charity and are generally not tax-deductible. Do not issue or promise charitable tax receipts, claim tax-exempt status you do not hold, or tell Backers that a contribution automatically reduces their taxes. Seek independent qualified advice if the implications are unclear.

Keep appropriate records of gross backing amounts, fees, released funds, returns and relevant expenses. Distinguish held money from money actually released when considering your records and obligations. We do not provide personalised tax, accounting, medical, investment or legal advice.

You must also comply with laws applicable to your dream, including permissions, intellectual property, safety and privacy requirements. Nothing in a platform approval removes those responsibilities. These rules do not exclude mandatory consumer protections or other rights that cannot lawfully be waived.

A dream may face genuine setbacks even when you acted honestly. If you believe the published plan cannot be completed, tell Backers promptly, explain the reasons and describe the work completed, spending already made and the position of remaining milestones. Do not submit false proof to obtain funds for a plan you know has become unworkable.

Contact hello@coheroapp.com where abandonment, prolonged interruption or a material change requires review of the dream or held funds. Explain whether a realistic revised plan exists, but do not present a different purpose as already approved. Do not continue seeking gifts on a description that has become materially misleading.

Administrators can return a dream’s unreleased funds to Backers, including where the dream is abandoned or rules have been breached. The platform fee is kept, and returns go to the original payment method where possible. Separately, the automatic return rule applies to each Backer who does not release a milestone within 14 days after proof submission, including their held amounts for later milestones.

Released funds are final and cannot be refunded through the platform, and cohero does not guarantee completion or replace lost support. Do not promise that every Backer will get all money back if circumstances change. Honest failure is different from fraud, but concealment, fabricated evidence and misuse of support can still lead to enforcement and applicable legal consequences.

Breaking these rules may lead to a warning, content removal, suspension or permanent ban. We may also reject, hide or remove a dream, request corrections, restrict activity and return unreleased funds as permitted by the Backing & Gift Policy. Serious fraud, exploitation, threats or evasion may justify skipping earlier steps in the enforcement ladder.

We consider the seriousness of the conduct, likely harm, available evidence, previous violations and whether you acted to correct a genuine mistake. A paid membership does not protect a dream or account from action. Do not ask another person to publish the same proposal or create another account to bypass a restriction.

If you believe a rejection or enforcement decision is mistaken, contact hello@coheroapp.com with the affected dream or account, the decision being challenged, your explanation and relevant supporting information. Identify factual errors, missing context or corrections you have made. Avoid unnecessary sensitive documents and do not redistribute prohibited content to make the appeal.

We may uphold, change or reverse a decision after review, or request further information. An appeal does not automatically restore publication, release money or pause the milestone review window. We may withhold details where needed to protect others, security or legal obligations, and our review does not remove rights available to you under applicable law.

Contact hello@coheroapp.com with questions about eligibility, consent, milestones, review or these rules before publishing information you are unsure about. Identify the dream and the specific issue so we can understand the request. Never provide your password, full card number or security codes in a message to another user.

The Community Guidelines govern identity, harassment, privacy and everyday conduct. The Intellectual Property Policy explains rights complaints, the Privacy Policy explains data handling, and the Membership & Billing Terms explain subscription obligations. The Backing & Gift Policy sets out the gift and milestone fund process, together with the Terms of Service.

We may update these rules as the platform develops or legal and safety needs change. Material changes are notified in advance in the app or by email, and continued use after they take effect means acceptance. The English version prevails if translations conflict, subject to mandatory applicable rights.

A responsible dream is specific enough to evaluate, honest about uncertainty and respectful of everyone whose support or information it involves. When in doubt, revise the plan, obtain the necessary permission or ask us before proceeding. Neither another user’s conduct nor a previous approval authorises a prohibited purpose or a misleading promise.