Cancellation Policy.

You may cancel a Kalva booking at any time from your account or by contacting support@kalva.app. The refund you receive depends on how far in advance of the travel date the cancellation is requested:

• Thirty (30) or more days before the travel date: eighty-five percent (85%) of amounts collected, refunded to the original payment method within ten (10) business days of cancellation confirmation.
• Fewer than thirty (30) days before the travel date: fifty percent (50%) of amounts collected, refunded within ten (10) business days.
• Within seven (7) days of the travel date: no refund. Amounts collected are forfeit. The booking is cancelled and no further installments will be charged.

The reference point for the time-to-travel calculation is the start date of your booking (check-in date for stays; experience date for excursions), measured in your local time zone at the operator's location.

If you cancel a booking still in Reserved status (not all installments collected), the tiers above apply against amounts collected to date. No further installments will be charged after cancellation is confirmed. Any late fees previously assessed are not refundable.

Each booking is eligible for one (1) free reschedule, subject to all of the following:

• The reschedule must be requested at least thirty (30) days before the original travel date;
• The new travel date must fall within twelve (12) months of the original travel date;
• The operator must have availability for the new dates;
• Any price difference between the original and rescheduled booking is the customer's responsibility.

Subsequent reschedules on the same booking, or reschedules requested within thirty (30) days of travel, are treated as cancellations under Section 1 followed by a new booking.

If a scheduled installment payment fails (insufficient funds, expired card, declined authorization), the following workflow applies:

• Notification: we notify you by email and SMS within twenty-four (24) hours of the failed charge.
• Grace period: two (2) calendar days from the failure during which you may update your payment method or arrange settlement without penalty.
• Late fee: a flat fifteen U.S. dollars ($15) is assessed per installment if the grace period expires without successful payment. The late fee is a single fixed amount per installment — it is not interest, not an APR, and does not compound.
• Automatic cancellation: two (2) consecutive failed installments (including the originally failed installment and the next scheduled one) trigger automatic cancellation. Refund of amounts already collected follows the Section 1 tiers measured from the date of cancellation, less late fees already assessed.

Because Kalva is not a lender, missed or late payments are not reported to consumer credit bureaus and do not affect your credit score.

If the operator cancels your confirmed booking, fails to honor it, or is unable to deliver the booked service for any reason within the operator's control (overbooking, business closure, scheduling failure), you are entitled to a full refund of one hundred percent (100%) of amounts collected.

Operator-side refunds are issued within ten (10) business days of Kalva's confirmation of the operator's failure to deliver. Where the operator's failure causes you to incur documented out-of-pocket travel costs (e.g., non-refundable flights), Kalva will provide reasonable assistance in pursuing those losses against the operator but is not directly liable for consequential losses (see Section 13 of the Terms of Service).

A "Force Majeure Event" means a circumstance beyond the reasonable control of either the customer, the operator, or Kalva, including: natural disasters, named weather events, pandemic-related government restrictions, government-issued travel advisories against the destination country, civil unrest, armed conflict, terrorism, airspace closures, or extended power or telecommunications outages at the operator's location.

If a Force Majeure Event prevents travel within seven (7) days of the travel date:

• The booking may be rescheduled at no cost to a date within twelve (12) months of the original travel date, subject to operator availability;
• If reschedule is not possible, the customer is entitled to a credit equal to one hundred percent (100%) of amounts collected, redeemable against any Kalva-powered booking with the same or different operator within twelve (12) months;
• Cash refunds for force-majeure cancellations are at Kalva's discretion and dependent on the operator's cooperation. Where the operator refuses to honor a force-majeure refund, Kalva will, at minimum, issue the credit described above.

Approved refunds are returned to the original payment method (the credit card used for the first installment). Most card refunds are visible on the cardholder's statement within three (3) to ten (10) business days, depending on the issuing bank. International cards may take longer.

Where the original card is no longer valid (expired, closed, replaced), Kalva will work with you to arrange an alternative method. Cash refunds are not available; refunds are made only by card reversal or ACH credit to the named account holder.

If you believe a cancellation outcome or refund amount is incorrect, contact support@kalva.app within thirty (30) days of the cancellation. We will respond within five (5) business days. Unresolved disputes are handled in accordance with Section 15 of the Terms of Service (arbitration in Wilmington, Delaware).

You retain whatever rights you have under your card issuer's chargeback procedures. We ask that you contact Kalva first to resolve issues — chargebacks initiated without a prior good-faith attempt to resolve directly may extend the resolution timeline.