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Travel and Services in Armenia with Kaleske

Tours, apartment rentals, events, exchange rates and practical travel guides for Armenia and Yerevan.

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© 2026 — All rights reserved by ANQ.am Limited Liability Company.

All Legal PoliciesCore Legal Policies
Core Legal Policies

Payment Security and Terms

Roles of the Operator and authorised payment provider, authorisation, settlement, errors, refunds and disputes.

Effective Date
August 14, 2026
Version
1.0.0
Last Reviewed
August 14, 2026

Transaction-Specific Terms Are Shown Before Confirmation

These policies provide the general framework for using Kaleske. Variable details such as the final price, availability or capacity, responsible service provider, cancellation conditions, payment deadline and other service-specific terms are shown with the relevant offer, order or before final payment and confirmation.

Submitting a Purchase Request Does Not Confirm an Order or Payment

For products or services that require availability, pricing or delivery confirmation, submitting a request only starts the review process. No purchase or reservation is considered final until the applicable terms, final amount and payment method have been confirmed and any required payment has been successfully verified.

1

Scope and roles

Kaleske is a commercial brand and digital platform operated by ANQ.am Limited Liability Company and is not a separate legal entity. This document applies only to Kaleske.com. Each transaction identifies whether the Operator is the direct provider or Kaleske acts as an intermediary, booking agent or information provider for a third-party supplier.

Where payment is enabled for a service, it is processed through the bank, gateway or payment provider identified on the payment page or in that order flow. Kaleske does not represent itself as a bank, payment institution, money transmitter or foreign-exchange provider unless such a legal status separately exists and is verifiable.

2

Essential information and contract formation

Before a payment obligation is created, the service description, responsible party, final amount, currency, taxes and mandatory charges, material terms, cancellation or refund rules, and accepted payment method are shown or recorded in the order confirmation. Receipt of an enquiry or return from a bank page alone does not mean that the order has been finally accepted.

The holder of the payment instrument must authorise the payment. A browser success message or return from a gateway alone is not final proof of payment; payment status is confirmed after the transaction is reconciled with the order. If currency conversion or a separate charge applies, its basis must be disclosed before payment.

3

Performance and customer responsibilities

Kaleske manages payment and order status using information received from the payment system and the order record. The customer must use an authorised payment instrument, enter required details accurately, and promptly report a duplicate or unrecognised payment.

Kaleske does not ask a customer to send a full card number, CVV/CVC, bank one-time password or account password through an ordinary message, Telegram, WhatsApp or email. Sensitive card information is processed only in an authorised payment-provider environment unless a specifically verified technical and legal role permits otherwise.

4

Changes, cancellation and refunds

Cancellation and refund rights are determined by the policy for the relevant service, the terms disclosed before purchase and mandatory legal rights. A deduction is made only where lawful, genuinely connected to the order and disclosed in advance.

The internal target for reviewing a refund request is 7 business days from receipt of the information needed for review. After approval, the refund instruction is issued without undue delay. The time for funds to reach the account depends on the bank, card network or payment provider and is not independently guaranteed by Kaleske. A refund is normally made to the original payer and payment method unless law or technical constraints require another route.

5

Third parties, liability and mandatory rights

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.

A payment may be declined, held or reversed because of a decision by the payment provider or issuer, a legal control, or inconsistent information. The Operator will explain any available reason and order status but cannot guarantee an independent decision by an authorised person. An issuer dispute or forced reversal does not remove either party's right to prove the transaction and use lawful remedies, and must not be used for double recovery.

6

Complaints, governing law and language

Send a complaint to [email protected] with the order or tracking number, a clear description, relevant evidence and the requested remedy. Kaleske's target is to acknowledge receipt within 2 business days and provide a substantive response within 10 business days. A complex matter may take longer with notice and reasons. The laws of the Republic of Armenia govern without removing any non-waivable consumer right or other mandatory jurisdiction required by law. If translations differ, the Armenian version controls interpretation to the extent permitted, but no language difference is interpreted to reduce a mandatory right.

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On This Page

  1. 1Scope and roles
  2. 2Essential information and contract formation
  3. 3Performance and customer responsibilities
  4. 4Changes, cancellation and refunds
  5. 5Third parties, liability and mandatory rights
  6. 6Complaints, governing law and language

Have a Question About This Policy?

Send us the service name, order number or tracking code, if available, and a description of your question so the Kaleske team can review the relevant case.

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