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.

Website Terms of Use

Terms and Conditions for Use of www.ubb.bg

General Terms

This webpage is owned by UBB, part of KBC Group. By accessing this website and the information, contained herein, you acknowledge that you have read, understood and agreed with these Terms and Conditions. The webpage (website) www.ubb.bg has been created for informative needs and delivers basic information on UBB, its products and services, intended for individuals, micro business and corporate clients, as well as hyperlinks to subsidiaries of KBC Group Bulgaria.    


This website’s entire content is subject to the copyright, held by UBB, alongside with all reserved rights and legal consequences, as its unauthorized use represents a legal offence, for which liability may be sought pursuant to the effective Bulgarian laws. Users may print separate pages and/or sections, images and logos, graphs etc. from the website, provided that they do not remove their copyright identification signs, trademarks, registered brands of products and services, as well as logos. It is prohibited to modify, copy, publish, sell or license any portion of, or the entire webpage content, or use it for any public or business purpose, other than for circulating or promoting of information about the Bank’s products and services. In all other cases such use requires the prior written consent of UBB.


UBB shall not be held liable for any damages, incl. indirect damage or lost profits, originating from, or linked in any manner whatsoever with the access to or the use of UBB’s website. This also refers to the cases where UBB envisages the possibility for sustaining such damages. Even though all UBB subsidiaries employ maximum effort for provisioning accurate and updated info on their webpages, omissions and inaccuracies may occur. The entire information, posted on the Bank’s website, including, but not limited to graphs, texts and hyperlinks to other webpages shall be subject to change without prior notice. This information is being provided in conformity with the effective legislation, without any guarantee whatsoever as to its suitability for a particular purpose, integrity and protection from computer viruses or other threats. UBB shall not be held liable for any consequences, linked to the webpage content, or for a person’s trust, placed in it. If you wish to use any UBB products and services, described in this website, you need to contact the Bank and inquire as to whether a product or a service is being offered, as well as about the associated contractual terms and conditions, plus the envisaged fees. Any user shall be solely responsible for his/her understanding and interpretation of the accuracy, completeness and usefulness of the information, posted on the website. UBB does not guarantee unproblematic and uninterrupted access to this website. Nonetheless, the Bank strives to contain as much as possible any inconveniences, occurring upon the website’s utilization.  

Personal Data Protection

UBB guarantees the privacy of information, containing personal data, delivered by users online either by filling in forms or through e-correspondence. The Bank will use the information collected only for the purposes, for which it has been voluntarily provided by users and in accordance with the international and local legal framework, currently effective in Bulgaria. The personal data, provided by clients shall be processed in compliance with the requirements of the Personal Data Protection Act and the subordinate legislation on its implementation.    


UBB shall keep the info, posted on this website up-to-date, however it shall not be held liable for any objective omissions. The Bank shall reserve itself the right to make amendments to these Terms and Conditions, while undertaking to immediately post those on the website.


UBB shall not be held liable for information (incl. the latter’s completeness), posted on websites, to which the current website hyperlinks. The information, documents and services contained in these websites, referred to or hyperlinked through this website have neither been checked, nor analyzed by UBB. Hence, the Bank guarantees in no way whatsoever their precision, completeness and/or accessibility.