International Payment Assistance

The order confirmation or contract will state whether the Operator is the direct seller or service provider, acts for a supplier, operates as a marketplace intermediary, or provides information only. The contracting party and, where different, the supplier and their contact details must be shown before payment. The names ANQ, Kaleske, DOROB, Kaleske House and Kaleske Shop do not by themselves establish separate legal persons.

The Operator acts only as an administrative PAYMENT_ASSISTANCE_PROVIDER: it checks invoice details, coordinates a lawful payment by bank or authorised provider a licensed provider identified before any payment, and follows the outcome. The Operator is not a bank, payment institution, money transmitter, foreign-exchange provider or custodian and does not accept customer funds for onward transfer unless required advice and authorisation have first been obtained.

Before an order is accepted, the description, total price and currency, taxes and mandatory charges, performance time or period, material restrictions, cancellation rules, and responsible party will be disclosed. A contract becomes binding when clear acceptance is issued and, where required, an authorised payment is confirmed; an acknowledgement of a request alone does not guarantee acceptance.

Before acceptance, the order must show the actual recipient, country, payment purpose, invoice amount and currency, actual payer, authorised provider, rate or conversion method, all fees, possible tax, estimated time and rejection or return conditions. No rate, speed or acceptance by a bank or recipient is guaranteed.

The Operator and the relevant supplier must perform the accepted service with reasonable care and in accordance with the confirmed information. The customer must provide complete and accurate information and required documents, cooperate on time, observe safety and conduct requirements, and check names, dates, destinations, specifications and price before confirmation.

The customer must provide a genuine invoice, identity and beneficiary, lawful origin and purpose of funds, and documents required by the bank. The Operator and authorised provider may screen for sanctions, anti-money-laundering, fraud, tax or destination restrictions and reject or pause for a lawful reason. False information or documents are prohibited, and a refusal is explained to the extent permitted.

Rights to change or cancel and the refundable amount depend on mandatory law, the extent of performance, costs actually incurred, and terms disclosed before purchase. Nothing in this document removes a non-waivable consumer right. A deduction is made only where lawful, genuinely connected to the order, and disclosed in advance.

If the authorised provider has not executed payment, cancellation is assessed with deduction only for genuine, disclosed administrative work. After execution, reversal depends on the recipient, bank, law and actual costs. A returned amount may differ because of rates, lawful fees or recipient deductions, and a calculation must be provided. Unperformed assistance or a rejected payment is refunded as required by law.

Where a third party is involved, each party's responsibility follows the disclosed role, the contract and the law. The Operator remains responsible for its own conduct, information it must provide, and obligations it accepts, and is not released from statutory responsibility by a general disclaimer. No limitation applies to fraud, wilful misconduct, personal injury, or responsibility that the law does not permit to be limited.

The bank or authorised provider is responsible for financial execution, custody and its controls; the Operator is responsible for accepted checking and coordination, accurate role disclosure and forwarding. A financial complaint may also be referred directly to the authorised provider and its regulator without removing a complaint against the Operator.

Send a complaint to [email protected] with the order number, a clear description, relevant evidence and the requested remedy. Receipt will be acknowledged within 3 business days and a target response provided within 15 business days; a complex matter may take longer with notice and reasons. Armenian law governs without removing mandatory protection of the consumer's residence. Once approved by Armenian counsel, the Armenian version controls interpretation to the extent permitted; a translation difference will not be read to reduce mandatory rights.