Please read this License Agreement ("Agreement") carefully before clicking the "I Accept the Terms & Conditions" button.

By clicking the "I Accept the Terms & Conditions" button, you are agreeing to be bound by the terms and conditions of this Agreement to use the APIs in the Sandbox.

If you do not agree to the terms of this Agreement, do not click on the "I Accept the Terms & Conditions" button and do not add the API to the list of APIs your application will access.

1. Definitions

When used in this Agreement with the initial letters capitalized, in addition to the terms defined elsewhere in this Agreement, the following terms have the following meanings:

∙ API means the UNITED BULGARIAN BANK’S (UBB) application programming interface;

∙ Intellectual Property Rights means all patents, copyright and related rights, trademarks, logo, service marks, trade, design rights, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, rights in designs, database rights, rights in confidential information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights, and all similar or equivalent rights or forms of protection in any part of the world.

∙ Sandbox is the software testing environment that enables the isolated execution of software or programs for independent evaluation, monitoring or testing. 

2. License

UBB grants you a limited,  non-transferable, non-exclusive, as-is, non sub licensable license

to use the API for the sole purpose of developing and testing your applications.

3. Restrictions

You shall not- 

∙ change or delete any copyright, trademark, tradename or other proprietary notices, legends, symbols, or labels appearing on or in the API;

∙ Disclose, share  or divulge any of the API specifications to any third party;

∙ Represent in any way that your application is approved, recommended or endorsed by us;

∙ Disable, or by pass any security protocols or measures or technical limitations of the APIs; 

∙ Modify, decompile, reverse engineer or otherwise alter the APIs;

∙ Participate or engage in any activity which restricts, hinders, impedes, interrupts or harms the API in any way or permits unauthorised access to the API;

∙ Use the API and the content thereon for any purpose other than those expressly permitted by these Terms of Use

UBB reserves the right to modify, suspend or discontinue, temporarily or permanently, the APIs, with or without notice and without liability to you.

4. Intellectual Property

Intellectual Property Rights 

4.1 We retain all Intellectual Property Rights with respect to UBB API’s,  including content and documentation and these may not be copied, transmitted or reproduced without our  prior consent. All Intellectual Property Rights and other rights in connection with the Portal  (including without limitation, information, graphics, software, text, sounds, images, trade marks, service marks, trade names and logos) are vested in us or our licensors.   You agree that you shall not obtain any Intellectual Property Rights, title or interest in the Portal other than in accordance with these Terms of Use.

4.2  You undertake not to do anything which would bring UBB or any of it trademarks, trade names, logos, or branding into disrepute or harm the reputation and goodwill of UBB.

4.3 You acknowledge and agree that we may independently develop or create applications, content or other services or products that may be similar to and/or compete with your applications and nothing in these Terms of Use shall prevent us from exploiting any such commercial opportunities.

5. Term and Termination

This Agreement shall remain in effect until terminated by you or UBB. 

UBB may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from UBB, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the Application on our API.

Upon termination of this Agreement, you shall cease all use of the APIs on the Sandbox.

6. Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

7. Amendments to this Agreement

UBB reserves the right, at its sole discretion, to modify or replace this Agreement at any time. What constitutes a material change will be determined at our sole discretion.

8. Applicable law and jurisdiction

The provisions of the Bulgarian law shall apply to this Agreement. Disputes betwen UBB and you related to, or arising from this Agreement shall, unless settled amicably between UBB and you, be brought for resolution before the competent Bulgarian court in Sofia, Bulgaria.

Video Banker

Video Banker is a service, provided by UBB, enabling business clients to hold remote video meetings with experts of the Bank and such of other entities within the group of KBC Bulgaria.

About UBB Video Banker

Video Banker is a service, provided by UBB and enabling business clients to hold remote video meetings with experts of the Bank and such of other entities within the group of KBC Bulgaria.

This service gives you the possibility to not only have audio and video contact, but to also share and discuss documents and screens, regardless of whether you use a smartphone, tablet, laptop or a personal computer.

Video Banker provides you with the necessary flexibility to have meetings with UBB experts without leaving your office or while travelling. You also have an option to join your employees to the conversation, no matter where they are at the moment.

The service is available for UBB clients at no additional fees.

Video Banker is rendered through Zoom - the leading video connection provider in the world, which has already gained the trust of numerous micro, small and medium-sized enterprises and international corporations, thanks to its high quality and secure connection.

How to use UBB Video Banker

In order to use the service, you have to request a date and time for an upcoming meeting with your banking expert. After that you will receive an invitation via email, containing a link that you have to follow in order to join the virtual meeting room. In case you want additional security, the access to the meeting can be protected via a password.

To hold the virtual meeting, you should have access to the Internet, with no video connection limitation, camera on your device, speakers (headphones) and a microphone.

If you use this service on your smartphone or tablet, you need to download the Zoom application.

Frequently Asked Questions

How secure are my connection and data?

Zoom's privacy practices are certified by TRUSTe. TRUSTe is also a provider for resolving disputes over privacy complaints.

UBB is currently using a connection only via an application, which ensures a high level of connection security (E2E). If needed, your IT department can get acquainted with Zoom's White Book of Security. For clients with additional security requirements, we offer protection via a password for the virtual meeting room.

What kind of Internet connection is required?

In order to connect, you need a 3G connection or cable internet with a minimum speed of 55 Mbps, standard for the lowest tariffs of most operators in Bulgaria. Best results will be achieved by wired internet or Wi-Fi connection.

Why do I need to download an application?

The Zoom application ensures maximum security and quality of the connection with the Bank. It does not usually require special installation.

Are the video meetings being recorded?

UBB does not record video meetings.

Terms and Privacy

You can find the terms of using the UBB Video Banker service here.

With regard to personal data by clicking on the meeting link, you give your consent to UBB AD to process your video image, related to the video meeting, in line with the requirements of the currently effective legislation on personal data protection.

More information about information privacy at UBB is available here.