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 Association of Banks in Bulgaria and its members take part in an information campaign of Europol against cyber scams

Bulgarian banks take part in an information campaign against the seven most popular types of financial scams that are threatening online consumers. The campaign, organized by Europol, the European Banking Federation and partner organizations of the private and public sectors, has started today and is part of the European Cyber Security Month.

Participants in the campaign, which will continue from 17th to 23rd October, include law enforcement authorities from all 28 member states of the EU and 5 countries outside of the EU, as well as 24 European banking associations.

The Association of Banks in Bulgaria and its members participate in the campaign by announcing and spreading among the clients of the banks animated and video materials that contain information about the most common types of scams online and tips how to avoid them. The types of scams described in those materials include:

  • CEO fraud – scammers introduce themselves as heads of an organization and deceive a person into paying a forged invoice or into making an unauthorized transfer from the company’s business account.
  • Invoice fraud – scammers get in touch with a person, presenting themselves as suppliers or creditors. They try to mislead the person into paying a pending invoice to a wrong bank account controlled by them.
  • Phishing/Smishing/Vishing – a person receives a fake call, SMS or email attempting to trick the person into sharing his/her personal and/or financial information, which is then used for criminal purposes.
  • Spoofed bank – scammers use phishing emails containing a link to a fake website that looks almost exactly like the bank’s real website. Thus they aim at gathering personal and financial data about a person for abusive purposes.
  • Romance scams – scammers pretend to be interested in a romantic relationship and seek their victims in online dating websites. They may also use social networking sites or emails to get in touch with a person in order to obtain money and/or data and/or for blackmailing purposes.
  • Personal data theft through social networking sites – scammers gather personal data about a person through social media, and these data may be used by the criminals to get access to bank accounts, to receive a loan or to commit other illegal activity on behalf of the person.
  • Investment scams and online shopping scams – a tempting offer is made related to profitable investment opportunities or a very good bargain in order to make a person respond.

The Internet is quite appealing to cyber criminals, who adapt quickly to consumers’ changing habits, and the Internet environment provides new opportunities for scams. Scammers use elaborate tricks, alluring promises and offers to obtain money or valuable financial information from unsuspecting people. Scams related to a relative who has passed away a long time ago or the well-known ‘Nigerian prince’ scheme are far from being the only tricks. Tactics used by cyber criminals are getting more and more innovative, complex and hard to recognize.

Social engineering continues to be the basis for a variety of cybercrimes, and phishing is the most common means of committing this crime. Criminals use social engineering to achieve a number of goals: to obtain personal data, to operate with other people’s bank accounts, to steal identity and for other illegal actions. The most efficient protection against social engineering is to educate potential victims, as virtually any Internet user could become a victim. 

The Association of Banks in Bulgaria and its members are committed to increase the awareness of society about identifying such fraudulent techniques when using the Internet environment and to support all interested institutions and organizations in their efforts to protect people from becoming victims of financial or other crimes.

Further information about the most common types of cybercrimes can be found in the following materials as well as on the websites of the banking institutions and their social media profiles.