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.

“The Crafts’ Secret” in “The Artisan’s Hands”



  • A magnificent photo of wood-carving won the jury’s hearts at “The Crafts’ Secret” photo contest.

Todor Rusinov’s The Artisan’s Hands deserved the first place in the competition and won BGN 1000. His runner-ups were Nikolay Vassilev and Stoyan Iliev, who were awarded with respectively BGN 800 and BGN 500 for the second and third places.

Last night the exhibition was opened featuring the best shots from The Crafts’ Secret –the photo contest of Ossem Magazine, UBB and Bulphoto. You can see it at the Lovers Bridge by NDK till October 26th. The 58 snapshots were chosen among 581 photos of 218 photographers.

For a fourth consecutive year Ossem Magazine, United Bulgarian Bank and Bulphoto organize photo contests which eventually evolve into real events and, as tradition follows, culminate into impressive exhibitions.

“It was a difficult choice this year, as usual, but a very pleasant one”, Evgeny Dimitrov of Bulphoto agency said on behalf of the jury. Because of the many photos depicting pottery, for example, their number had to be reduced. “The contests we organize are really useful for the photographers taking part in them that’s why we’ll continue with the next competition over the following year, too”, Anka Kostova, manager of UBB’s PR and Sponsorship Unit, announced. “We’re looking forward to the proposals for the next topics!”, Ossem Magazine’s chief editor –Ganeta Sagova -added.

The three prized winners explained how they took their photos. “Considering the fact you’ve been taking photos for 50 years, when a contest comes up your way, it’s always easy to take a look at the archive and choose something”, Nikolay Vassilev, who took the second place, joked. In his turn, the winner Todor Rusinov shared that his profession lies in the sphere of marketing, while photography is a mere hobby for him. He took the winning photo after having found himself in an almost deserted village for a couple of days.

The ending note of the awards ceremony were the words of Dr. Svetoslav Slavchev, Ossem Magazine’s deputy chief editor for 22 years: “Initiatives of this kind show that the spirit of the Bulgarian nation is still pretty much alive, together with its culture and due to this I congratulate the organizers!”, Dr. Slavchev summarized emotionally.

The exhibition presents in an extremely picturesque and vivid way the ancient Bulgarian crafts, their contemporary aspect and entirely new crafts, which are currently making their way. Shoemaking, cartwrighting, embroidery goes side by side with tattoo-making and knit-dressing a brand new car. The snapshots are “garnished” with the engrossing words of BAS Ass. Prof. Vihra Baeva, ethnologist, who attracts the attention to the traditional crafts in a simple language, by telling unknown stories and legends, related to them.

The best photos will also be presented in the November issue of Ossem Magazine and at http://www.spisanie8.bg/.