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 launches the Challenge YOU pre-accelerator programme in partnership with Junior Achievement Bulgaria

United Bulgarian Bank, Junior Achievement Bulgaria (JA Bulgaria) and its subsidiary The Edge: R&D have launched the Challenge YOU pre-accelerator programme. The practical programme for starting an own business aims at supporting the successful realization of entrepreneurial initiatives of student start-ups. Within three months the participants will form a team, which is going to further expand its idea, develop a prototype of its product or service, as well as present a business case for the project.

The programme is open to Bulgarian students – holders of Bachelor’s, Master’s and Doctor’s degrees from all specialties and universities, who have ideas for starting a business of their own in the following domains: virtual reality, artificial intelligence, Internet of Things (IoT), fintech, health industry, clean energy, agro-innovations and other business ideas, related to technology innovations.

Within eight Saturdays during the months of March, April and May, the students will participate in intensive workshops and trainings, which combine theory with practice - a course for designer way of thinking, series of mentoring afternoons, Demo day and final competition, where the winner - whose idea will be financed – is going to be announced.

The Challenge You pre-accelerator programme is the next logical step in the educational approach, which our organization has been applying for many years now. By implementing innovative models like this one, we aim at helping young people realize their ideas in practice, while providing them with the practical training needed to build up their entrepreneurial competencies, mentoring and expert consultancy assistance. Thus we realize our vision for creating entrepreneurial young people, who are proactive and enthusiastically fulfil their dreams. I am happy to say that the current project is exactly focused on that and fully reflects the mission of our organization. I would like to especially thank our partners in this initiative – UBB - for understanding and supporting the need of such actions.” - Milena Stoycheva, Executive Director of JA Bulgaria and The Edge: R&BD, noted.

The participants were also greeted by Ms. Svetla Georgieva, UBB’s Executive Director Risk, who addressed them with the words: “In society, there are many different perceptions as to what a bank is and what is expected of it. These are labels, layered for years. However - as young people who are making their first steps towards starting their own business and are here to learn how to be decisive - I will tell you the following: trust your bank, we share the expertise that has been accumulated for years, as well as responsibility towards our clients. UBB will teach you what it is like to have a solid partner behind you, in order to realize even your bravest dreams.”

Business mentors from the UBB team are going to support the start-ups with experience and advice in the development of ideas. All trainings and mentoring afternoons will be held in the creative workspace of Junior Achievement Bulgaria - JA StartUp Hambar in Sofia Tech Park.

The winner may be awarded financing, mentoring, consultation with specialized experts from the team of UBB and JA Bulgaria (a lawyer, a financier, an intellectual property expert, etc.), of total value up to BGN 10 000. The participation in the programme is utterly free-of-charge.

After the opening event, there will be 2 weeks remaining for inclusion of more people, willing to participate. The deadline for registration of student teams is 10th of March, 2019, which is also the start date of the educational sessions. Link for registration: https://form.jotform.com/90283942381965.