Terms of use




These Terms and Conditions regulate the use of the Investbank’s PSD2 APIs (the API) and  Developer’s Portal (the Portal) that provide the following API:

       Account Information Service API 

       Payment Initiation Service API 

       Conformation of Funds Service API 

Investbank in the context of these Terms and Conditions means Investbank JSC with registered office at 85 Bulgaria Blvd, Sofia, 1404, Bulgaria. 

By using the API and Developer Portal you certify that you have read and understood the Terms and Conditions and agree to its terms. Investbank may at any time alter these Terms and Conditions without prior notice by publishing new or amended Terms and Conditions on the Developer Portal.

You agree to revisit this page regularly through your unremitting access to or use of the Portal and the API will mean that you agree to the changes. 


Registration to the Portal 


You must register through the website at https://developer.ibank.bg  for access to the Portal and https://api.ibank.bg  for access to the API. In order to provide you with access to the Portal collection and processing of the personal data as per our Developer’s Privacy Policy.  

Any information that you provide in connection with your registration must be correct and complete, and you are responsible for maintaining such information up-to-date and accurate throughout the term of your registration. Upon successful registration, you may be provided with access credentials, passwords and other account information (the “Credentials”). The Credentials are, and will remain, the property of Investbank and you are granted a nontransferable license to use the Credentials for the sole purpose of participating in the Portal. You must keep the Credentials confidential and may not sell, transfer, sublicense, or otherwise disclose your Credentials to any other person or for any other purpose. If you become aware or if you suspect that the confidentiality of your Credentials has been compromised, you are obliged to inform Investbank without undue delay. You must not attempt to circumvent or modify any Credentials or other security mechanism Investbank provides support service. You can contact our helpdesk 24/7.  


Terms of Use 


You are responsible for all activities that occur under usage of your Credentials, regardless whether undertaken by you or someone else. You are obliged to comply with all legal requirements and refrain from creating content that is unlawful or otherwise objectionable, or any content that may be construed as such. Any activity on the Portal or in connection therewith must always be in compliance with these Terms and Conditions

You are forbidden and you will not engage particularly in any of the following activities: 

a.   reverse engineer, disassemble, reconstruct, unmask, reverse assemble or decompile any object code of the platform, any Investbank test data, API or any other data provided by Investbank in connection with the Portal and the API; 

b.   attempt unauthorized access to, or use of, Investbank’s services or systems; 

c.   damage, disrupt, or otherwise negatively affect the operation of Investbank’s services or systems including but not limited to intentionally or negligently overloading Investbank’s network or conducting denial of services attacks, finding or exploiting vulnerabilities in Investbank’s security; 

d.   generate unnecessary or excessive calls or volumes of activity on or through API; 

e.   engage in any activity that prevents any other developer from using the Portal or the API; 

f.    use any robot, spider, site search or other application to retrieve or index Portal; 

g.   use any robot, spider, or other automatic device to create accounts on Portal; 

h.   collect information about other developers; 

i.    introduce any viruses, worms, trojans, webbots, trapdoor or other malicious code; 

j.    disable, hack disrupt, damage or interfere with the Portal or the API; 

k.   use the Portal and the API in a manner that may be regarded as being false or misleading to us; 

l.    distribute, disclose, publish, market, sell, rent, lease, sublicense or assign to any third party any information to which you have access via Portal without prior express consent of Ivestbank;   A violation of any of the foregoing may result in the immediate termination of your access to the Portal and the API. 


Termination of your Registration 


Investbank may terminate your registration and access to the Portal and the Investbank Content at any time without prior notice. Your registration will automatically terminated if you violated any of these Terms and Conditions. Upon termination, any rights which are granted to you under these Terms and Conditions will automatically prevented.


No Warranties and Limitation of Liability


The Portal and the Investbank Content are provided “as is”, and use of the Portal is entirely on your own risk. Investbank disclaims all warranties and does in particular not provide any warranty in respect to the Portal as being error free, with respect to its availability or accuracy. Investbank shall not be liable to you neither for intent or gross negligence, nor for ordinary negligence. This shall not apply to any injury to life or health or if such exclusion would contravene applicable law. Investbank is not liable for damage caused by third parties. In the case your registration is terminated, Investbank shall not be held liable for any damages incurred by you.

The data contained in the Portal is for information purposes only and does not constitute a proposal, offer, contract or other binding Investbank statement. Investbank does not hold itself out as providing legal, financial or other advice via the Portal.

 Your use of hyperlinks in the Portal is at your own risk. We provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party web sites or content is implied. We are not responsible for the content of any other web sites or pages linked to or from the Portal. We have not verified the content of any such web sites, or pages. It is recommended that you view the linked website's terms and privacy notice pages to understand how use of that website may affect you.


Information on personal data processing  


Our data compliance - We will process your personal data in accordance with the applicable data protection legislation, and have taken appropriate technical and organizational security measures to protect your personal data.

Data purposes* - We may use your personal data for the following purposes:

   a)       for identification and verification purposes;

   b)      to grand you with access to the Portal collection and to provide you with the API Toolbox, and to perform the API services;

   c)       for fraud detection and prevention;

   d)      to evaluate and improve our API Toolbox and API services;

   e)       to send you news and updates regarding our developer portal;

   f)       to contact you in the event of problems or security or compliance incidents, or amendments in our services or Terms of Use;

   g)      to ensure compliance with the applicable laws and requests of the regulators.

*Without provision of such data registration and access to the Portal are not possible.

Notification security incident - If you notice any problems or security incidents during the use of the API Toolbox, you will notify us immediately at the following contact address: dpo@ibank.bg 

Contact about personal data - If you have any questions or requests regarding the use, correction or deletion of your personal data, you can send an email to: dpo@ibank.bg

In addition to these Terms and Conditions the Developer’s Privacy Policy shall apply. 


Governing law 


Should any provision of these Terms and Conditions be or become invalid, the validity of the Terms and Conditions as a whole shall remain unaffected. These Terms and Conditions are subject to Bulgarian law.