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.

Mortgage Loan Insurance

Home and Family Protection insurance program integrates the Life insurance by DZI Life Insurance EAD and the Property insurance by DZI - General Insurance EAD as part of the parameters of mortgage loans at United Bulgarian Bank.

Life Insurance coverage by DZI

  • Death due to sickness or accident with face amount equal to the residual loan amount.
  • Permanent Total Disability (PTD) due to sickness or accident with face amount equal to the residual loan amount.
  • Total temporary disability (TTD) due to sickness or accident. The indemnity equals the monthly loan installment. After 60-day waiting period indemnity will be paid for each full 30-day period of TTD. The coverage option is active with group policy 2024.

Insurance coverage “Property“ by DZI

General information

With your inclusion in the insurance program, a mortgaged residential property is insured, that is accepted by the Bank as collateral on loans granted by the latter.

"Home and Family Protection" provides coverage upon the most frequent everyday events which could damage seriously your property.

The insurance is monthly paid simultaneously with the repayment installments under the Loan agreement.

Main risks covered

  • Fire
  • Lightning
  • Explosion
  • Implosion
  • Collision or fall of piloted aircraft, its parts or load
  • Malicious acts of third parties, vandalism
  • Storm
  • Hail
  • Pouring rain
  • Flood
  • Load upon natural accumulation of snow and/or ice
  • Frost bite/Freezing
  • Earthquake
  • Leakage of water and steam
  • Slide or collapse of earth layers
  • Groundwater activity
  • Hit from vehicle and/ or animal
  • Breakdown with loading or unloading machinery
  • Breaking of glasses
  • Costs for temporary accommodation
  • Third party liability of the Insured person for damages caused to third persons
  • Other costs necessary for limiting the damages with regard to the occurred insured event
  • Costs for eliminating the damages from breaking and entering, or intent for breaking and entering
  • Administrative costs for re-issuance/ duplicate of documents, drawings, damaged and/ or destroyed by the insured event
  • Costs for replacement of entrance door locks, in case of stolen/ lost key

In case of an insured event under a Life Insurance policy

The insurance claim may be submitted via a UBB branch or directly sent to the Insurance company.

In case of an insured event under a Property Insurance policy

The insurance claim may be submitted via a UBB branch or directly sent to the Insurance company. 

In case of property insurance event, claims can be processed:

Or give us a call
0700 117 17
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
For local and international calls
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