- 01
Gifts, not investments
A backing is a voluntary gift towards a goal. Nothing is sold, no ownership changes hands and no return is promised. Backers support a person; you keep control.
- 02
Why milestones still matter
Without contracts, Backers rely on transparency. Money is held per milestone and released only when you prove progress, so they can give with confidence.
- 03
What you owe Backers
Honesty: a true story, proof for each milestone and updates in chat. Not profits or repayment. If you cannot finish, unreleased money goes back to Backers.
How Backers are protected
14-day review per milestone
When proof is posted, each Backer has 14 days to release their share or ask for more. Money not released in time goes back to the Backer.
15% fee, deducted — never added
Backers pay exactly what they choose. The 15% fee comes out of each backing: ₹10,000 gives the Dreamer ₹8,500. The fee is kept if money is returned.
Gifts, not shares
Backings are gifts. No shares, equity, interest or repayment, and Dreamers keep full ownership. Nothing on cohero is an investment or a loan.
Example milestone plan
An example plan for a dental care dream with a goal of ₹710,000. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
₹106,500 · 15%
Confirm the dental estimate
Post a redacted examination receipt and itemised provider estimate showing the dental work included in the funding goal.
Milestone 2
₹319,500 · 45%
Complete the main procedure
Share paid invoices for the main dental procedure and related charges, with patient identifiers and clinical notes hidden.
Milestone 3
₹177,500 · 25%
Attend fitting and adjustments
Upload redacted receipts for planned fitting or adjustment appointments and any separately billed laboratory work.
Milestone 4
₹106,500 · 15%
Finish planned review visits
Post final review receipts and a redacted expense summary comparing the completed funded stages with the original estimate.
Budget example
A typical cost split for a dental care dream in Kochi, shown in INR. Backers are charged the equivalent in US dollars.
Example goal
₹710,000
- Dental procedure fees₹461,500 · 65%
- Imaging and examination costs₹106,500 · 15%
- Laboratory and appliance charges₹106,500 · 15%
- Review visit travel₹35,500 · 5%
What you receive
- Backers give
- ₹710,000
- Platform fee (15%)
- −₹106,500
- You receive
- ₹603,500
Risks to plan for
- R1
Examination changes the scope
An examination may identify work missing from an early estimate. Use the first milestone to confirm an itemised scope and explain any budget revision before the main procedure stage.
- R2
Laboratory work needs time
A custom dental item may need laboratory work and later adjustments. Keep that spending separate from the main procedure and allow a flexible window for the fitting milestone.
- R3
Extra visits increase travel
A fitting or procedure may require more return visits than first expected. Estimate travel separately and state which review journeys are included rather than implying unlimited follow-up.
Questions and answers
Do I need to post photographs of my teeth?
Use itemised estimates, paid invoices and appointment confirmations with personal details hidden instead. Photographs are not necessary to explain dental spending, and your proof plan can keep treatment images and clinical records private.
What if the dentist changes the estimate after examination?
Share a redacted revised estimate and describe which funded stages or cost lines change. Keep the explanation about scope, timing and expenses rather than private clinical details, so Backers can review the updated spending plan.
Do I have to pay Backers back?
No. Money released for completed milestones is yours. Money still held for unfinished milestones can go back to Backers under the Backing Policy, minus the platform fee.
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