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.

United Bulgarian Bank is Bank of the Year

United Bulgarian Bank, part of the Belgian KBC Group, received the big Bank of the Year award, granted by a renowned jury of the Bank of the Year Association at an official ceremony, held on 3 July 2019 in Sofia. Apart from this great recognition, the financial institution also received an award in the Dynamics of Development category. The organizer, Bank of the Year Association, presented its annual banking awards for the 27th time. The ceremony was attended by leading bankers, financiers, business and media representatives. The awards were received by Peter Andronov, Country Manager of KBC Group for Bulgaria and Chief Executive Officer of UBB.

“This award is a recognition of UBB’s development and its market achievement during the year, in which we successfully integrated UBB and CIBANK into the new United Bank. I would like to thank all colleagues at UBB, with whom we achieved the highest of results among the banks on the market during exactly that year of dynamic changes, for their high level of professionalism. I am happy that our assiduous work and unwavering drive for success have been rewarded”, shared Mr. Andronov. He addressed the jury and the competition organizers with gratitude for their high appreciation and outlined some of the main highlights in the banking sector, such as the consolidation and the strict monitoring on the part of the European financial institutions.

The evaluation criteria at the annual competition, organized by the Bank of the Year Association are based on the indicators in the annual reports of banks and transparently reflect the development of the banking sector. The big Bank of the Year award is yet another recognition of UBB’s strategic development after its acquisition by the Belgian financial group KBC. In 2017 UBB’s credit rating was raised by Fitch International Rating Agency up to ‘A-‘,  the highest level for a financial institution in Bulgaria.

Over the elapsed six months UBB became the most awarded bank in Bulgaria. In January the Chief Executive Officer of UBB Peter Andronov received a Burov prize for bank management from Atanas Burov Foundation, while only a month earlier he was distinguished as Banker of the Year. At the start of 2019, during a ceremony in London UBB was announced the Best Trade Finance Bank in Bulgaria by Global Finance international magazine. Dozens of other awards followed, such as for innovative product of the year, employer brand and communications.