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.

UBB is winner of the big Innovation of the Year prize at the B2B Awards

The Belgian КВС Group, part of which is UBB, has won a total of 9 prizes in the competition, among which first rank in 5 categories

United Bulgarian Bank (UBB) is the big winner at the Fifth Edition of the B2B Awards, among more than 70 projects in over 20 categories. UBB is winner of the big Innovation of the Year prize and of another 5 first-rank awards.

The newly opened innovations lab - Surf Studio of UBB and DZI - was announced Innovative Idea of the Year, while the first multibanking in a mobile app in Bulgaria became Business Idea of the Year.

UBB is definitely the most dynamically developing bank in Bulgaria at present, by being awarded the 1-st place in the Dynamic Development category at the B2B Awards, with only a week earlier grabbing a prize in the same category at the Bank of the Year Awards. The prize for dynamic development is being awarded for achievements of all 7 companies in the financial group KBC in Bulgaria. The first quarter of 2019 was the onset of a record-breaking period for all of them. In March 2019 UBB achieved an absolute record for the last 5 years in terms of loan portfolio growth in the retail banking domain. Moreover, sales of DZI insurance products over the first quarter of the year registered a two-digit growth of 40%. At the same time UBB Asset Management gained a leadership position on the market of managing companies, thus achieving its target a year earlier than planned. After the market success of UBB Asset Management, KBC decided to invest in the establishment of yet another managing company in Bulgaria and in June 2019 the new company – KBC Asset Management - was presented. During the first quarter of 2019 UBB Interlease generated new business with 23% more, as compared to the same period of 2018 and won over its 30-thousandth client. As early as last year UBB and DZI acquired the tallest business building in Sofia downtown – UBB Millennium Center- thus giving their over 1000 employees office space with one of the most impressive views in the capital city.

KBC Group grabbed the first places for yet another two big achievements. In the autumn of 2018 the Group organized a symbolic journey to the Moon and for each traveled kilometer with sporting activities the employees and their friends were earning funds for noble causes – thus, kilometer by kilometer up to an amount of nearly BGN 150 000 and the CSR Project with a Cause award. With those and other initiatives KBC Group united its team around the emblematic name #TeamBlue, with which they all – over 4000 blue team employees – deserved the title Innovative Employer Brand Campaign.

Every company, no matter how big or small, is successful when changes are being driven from the inside by the employees themselves. These are companies that are not just developing successful business, but also such engaged in changing the environment they operate in. That is why my joy is even double –we are leaders not simply in prestigious categories, such as Dynamic Development, Innovative Idea of the Year and Business Idea of the Year, but also in categories such as CSR Project of the Year and Innovative Employer Brand Campaign. Every success has been struggled through by all more than 4000 employees of КВС Group in Bulgaria, shared Mr. Peter Andronov, Country Manager of KBC Group for Bulgaria and Chief Executive Officer of UBB.

The nine awards, received yesterday, among which the one for Innovative Idea of the Year (the Surf Studio innovation lab of UBB and DZI) and for Business Idea of the Year (the first multibanking in a mobile app in Bulgaria) make me proud. I thank the whole team involved! A diverse and proactive group of young and experienced colleagues, dispersed into several units within our companies, are working assiduously on our innovations plan. It is a pleasure to see and feel the spirit within the group. The mere fact that our efforts are visible and are also appreciated by experts on the market only strengthens our desire to accelerate our innovative journey, in order to offer the best and cutting-edge solutions to our clients“, commented Christof De Mil, Innovations Leader of КВС Group in Bulgaria.

The reputable jury of the competition gave out their scores, based on criteria, such as sustainable and innovative behaviour, originality of ideas, effectiveness of realization, pioneering products and services and also innovative manner of communicating those.