- 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 language study dream with a goal of ₹660,000. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
₹198,000 · 30%
Book the opening block
Post the school booking receipt, the first course payment and a dated plan for accommodation during the opening block.
Milestone 2
₹198,000 · 30%
Attend the core block
Share the next course invoice, an attendance summary and an original writing or speaking sample from this class block.
Milestone 3
₹165,000 · 25%
Extend classroom practice
Upload receipts for the next teaching block and accommodation, plus a short learning update based on completed classwork.
Milestone 4
₹99,000 · 15%
Finish and review learning
Post remaining course receipts, a final attendance record and a self-recorded language sample comparing your learning goals.
Budget example
A typical cost split for a language study dream in Kochi, shown in INR. Backers are charged the equivalent in US dollars.
Example goal
₹660,000
- Language course tuition₹330,000 · 50%
- Books and practice materials₹66,000 · 10%
- Local transport₹66,000 · 10%
- Accommodation and daily essentials₹198,000 · 30%
What you receive
- Backers give
- ₹660,000
- Platform fee (15%)
- −₹99,000
- You receive
- ₹561,000
Risks to plan for
- R1
Class level needs adjustment
An initial placement may put you in a class that does not fit your skills. Ask about level changes before booking and allow the opening milestone to document the confirmed class.
- R2
Accommodation costs drift
Accommodation dates may not line up with teaching weeks. Budget for the actual stay, not only classroom days, and match housing receipts to the learning blocks they support.
- R3
Fluency is hard to define
A promise of fluency can make progress difficult to assess fairly. Use attendance and comparable language samples as proof, with specific learning aims for each teaching block.
Questions and answers
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.
Can accommodation be part of a language school goal?
Yes, if it is needed to attend the course. State the length of stay and separate accommodation from tuition so Backers can follow the budget. Share payment records with addresses and other personal information hidden.
What if my language level improves more slowly than expected?
Show the lessons attended and the work completed rather than claiming a guaranteed level. Use similar speaking or writing tasks at different stages, and explain any changes to your learning plan in the milestone update.
Ready when you are
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