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.

New loans of over BGN 12 million have been granted by UBB under the JEREMIE initiative

Over the last month, UBB AD carried out the largest in scale advertising campaign in Bulgaria under the EU JEREMIE initiative, which brought about the tremendous interest on the part of the business in this type of financing and the granting of more than 60 loans, exceeding BGN 12 million in total. The loans under the initiative are guaranteed without additional expenses for the companies and have lower coverage, interest and fees. The largest demand of financing is by companies in the trade, production and tourism industries, Ms. Marinela Koeva, Business Development Manager at UBB AD, said.
"In a period of hardship for the business over the recent years, the loans under the JEREMIE initiative stand an excellent opportunity for entrepreneurs and that at extremely beneficial parameters. We, at UBB AD, observe enhancement in the interest towards these products both on the part of micro and start-up companies, as well as on the part of companies with well-established business, since besides investment financing UBB JEREMIE loans also offer working capital financing", Ms. Koeva commented.
"The average amount of a loan under the JEREMIE initiative, granted by UBB AD so far, is BGN 200 000. The main reasons for entrepreneurs to borrow under the JEREMIE initiative are: implementation of new business projects, strengthening and expanding their current activity, diversification of production", Ms. Koeva also added. “We are happy that being the bank with obtained approval for the largest guaranteed portfolio under the JEREMIE initiative, we have the chance of rendering decisive support for the development of the Bulgarian business”, she stated. 
The loans under the EU JEREMIE initiative (Joint European Resources for Micro to Medium Enterprises - jeremie.bg) are designed for micro, small and medium enterprises, registered and operating in Bulgaria. This category includes companies with annual income from sales up to BGN 97.5 million and staff up to 250 employees. The only restriction is that the companies should not perform main activity in industries such as primary processing of agricultural products, fishing, mining, real estate business, gambling etc.
This type of funding provides the opportunity for investment in new products and services, investments in green energy, commercial network development, purchase of machines and equipment, repair works and equipment of offices and commercial sites, construction of industrial buildings, construction and furnishing of health care centers, and many others. The maximum loan amount is EUR 1 875 million (for companies in the road transport industry – half of that amount).
Ms. Marinela Koeva reminded that those willing to apply can take advantage of the opportunities on UBB’s dedicated site for loans under the JEREMIE initiative - jeremie.ubb.bg offering attractive, fast and easy access to the application requirements for UBB JEREMIE loans, an eligibility check, as well as sending a direct inquiry. At the end of June this year the site won the first prize in the Finance and Insurance category of the Bulgarian Web Awards 2012.