UNITED BULGARIAN BANK API EULA

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.

Payments and Direct Debits

BGN Transfers

Through its branch network or via U-Оnline UBB clients may order fund transfers in Bulgarian leva to all banks on the territory of Bulgaria.
While utilizing UBB services clients can rely on professionalism, promptness and security upon the execution of their bank transfers.

Acceptance and execution of orders for BGN transfers

Cut-off time for accepting BGN transfer orders with execution deadline the same business day is 15.00 h. Payments, ordered after this hour, shall be processed on the next business day.

Orders for intrabank transfers from and to accounts with UBB AD shall be accepted by 16.30 h. and shall be effected with value date the same business day.

Fees and commissions

Information regarding the fees and commissions for effecting fund transfers in Bulgarian leva is available here.

UBB General Terms on Payment Services for Business Clients.

The Bank's terms and conditions for effecting payment services are available here.

Nostro Accounts

The List of UBB Nostro Accounts is available in Important documents here.

FX Transfers

Through UBB branch network or via U-Оnline clients may order transfers in the following currencies: euro, US dollar, British pound, Swiss franc, Japanese yen, Swedish krona, Turkish lira, Canadian dollar, Australian dollar and New Zealand dollar, Norwegian krone, Danish krone and Chinese yuan. While utilizing UBB services clients can rely on professionalism, promptness and security upon the execution of their bank transfers.

Acceptance and execution of FX transfer orders

The cut-off time for accepting interbank transfers in foreign currency is 15.30 h. Payments, ordered after this hour, shall be processed on the next business day.

Orders for intrabank transfers from and to accounts with UBB AD shall be accepted by 16.30 h. and shall be effected with value date the same business day.

Transfers, ordered via a branch of the Bank in EUR, USD, GBP by 15.00 h. and in CHF by 13:00 h. shall be executed with a value date the same business day.

Transfers via U-Online, ordered in EUR, USD, GBP by 15.30 h. and in CHF by 13:30 h. shall be executed with value date the same business day. For all other currencies the fund transfers, ordered by 15:30, shall be processed with a value date of two business days.

Express fund transfers shall be accepted on business days until 14:00 h. and shall be executed with same day value date only for EUR via TARGET2.

Fees and commissions

Information regarding the fees and commissions for effecting fund transfers in Bulgarian leva is available here.

UBB General Terms on Payment Services for Business Clients.

The Bank's terms and conditions for effecting payment services are available here.

Nostro Accounts

The List of UBB Nostro Accounts is available in Important documents here.

Direct debit

The Payer shall have to provide its advance consent for having the payment directly debited from the latter's account by order of the beneficiary and pursuant to Ordinance No. 3 of the BNB.

Transfers via direct debits are only possible on the territory of the Republic of Bulgaria and solely in Bulgarian leva.

Mass Payroll payments

UBB offers its business clients of employer capacity  an automatic payoll to their employees under Comfort accounts, opened with UBB, or accounts with other banks.

Technologically, the process is based on an exchange of information in Internet environment, submitted by the employer company directly from its office via U-Online Internet banking functionality, or personally delivered on a digital storage medium to a branch of the Bank.

The service guarantees promptness, convenience  and security of payments. The procedure has been facilitated to the maximum extent, thus saving time and resources.

E-invoice payment

UBB offers its business clients - users of U-Оnline Internet banking - an opportunity for paying e-invoices, issued through eFaktura.bg.

UBB, together with Borica – Bankservice company, provide their clients with the opportunity to pay e-invoices on-line, via integrating UBB online banking within the system for issuing and administration of e-invoices, eFaktura.bg.

Both payers and issuers of e-invoices may enjoy this convenience. Payment of received invoices is made without additional appreciation of the money transfer, with ensured promptness and ease, plus an automatic posting of the information about the paid invoice with the Issuer.

The service is available either through UBB online banking, or via eFaktura.bg.

The service opens the following business opportunities for the Bank's clients:

  • For Payers of e-invoices: payment of e-invoices and reports on unpaid, paid and disputed invoices; 
  • For Issuers of e-invoices: reports on the issued e-invoices - unpaid, paid and cancelled.

Further information about the service is available in U-Online Section.

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