Terms of use

Terms and Conditions



The registration, access to and use of the Ziraat Bank API Portal website at https://developer.ziraatbank.bg including the pertinent tools and applications, as made available by Ziraat Bank from time to time in its discretion (the “Portal”) is subject to the following Terms and Conditions (the “Terms and Conditions”). “Ziraat Bank” in the context of these Terms and Conditions means T.C. Ziraat Bankasi – Sofia Branch, having its seat and registered address in Sofia 1301, 87, Tsar Samuil Str., entered in the Trade Register of the Registry Agency under UIC 121704731. Ziraat Bank may at any time alter these Terms and Conditions without prior notice by publishing new or amended Terms and Conditions on the Developer Portal.

Your registration to the Portal

The Portal is a discretionary offer by Ziraat Bank. You must register through the website at https://developer.ziraatbank.bg for access. Ziraat Bank reserves the right to approve registration demands and may reject your application in its discretion without the need to provide any reasons. You agree that you will disclose to Ziraat Bank any actual or potential conflicts of interest with respect to your registration (e.g., if you are already working for, or are affiliated with, a Ziraat Bank competitor or other financial institution).

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 credential, passwords and other account information (the

“Credentials”). The Credentials are, and will remain, the property of Ziraat Bank 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 have been compromised, you are obliged to inform Ziraat Bank without undue delay. You must not attempt to circumvent or modify any Credentials or other security mechanism used by Ziraat Bank in connection with the Portal.


Rules governing your use of the Portal

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 at all times be in compliance with these Terms and Conditions.

You are prohibited from, and you will not engage, in any of the following activities: (a) reverse engineer, disassemble, reconstruct, or decompile any object code of the Developer Platform, any Ziraat Bank test data, the Ziraat Bank API or any other data provided by Ziraat Bank in connection with the Portal (the “ZB Content”); (b) attempt unauthorized access to, or use of, Ziraat Bank’s services or systems; (c) damage, disrupt, or otherwise negatively affect the operation of Ziraat Bank’s services or systems; (d) engage in any activity that prevents any other developer from using the ZB Content;

(e) use any robot, spider, site search or other application to retrieve or index ZB Content, (f) collect information about other developers and (g) introduce any viruses or other malicious code.

Interaction with you governing your use of the Portal 

The Portal pursues the goal of interacting with you to validate the reasons for certain access procedures within the Portal and to achieve a steady improvement within the scope of the simulation for the programming or API development. We reserve the right to contact you on the basis of your stated data. 

Intellectual Property Rights

The Portal is and remains the property of Ziraat Bank and is protected by applicable intellectual property laws. Ziraat Bank grants you, upon successful registration, a limited, non-exclusive, non-transferable, revocable and non-sublicensable right to use the Portal for the term of your registration to the extent necessary and for the sole purpose of participating in the Portal in accordance with, and within the scope of, these Terms and Conditions.

You grant to Ziraat Bank a limited and non-exclusive right to use the object code and other content that you upload, or that you program, on the Portal to the extent necessary and for the sole purpose for Ziraat Bank to operate the Portal. You warrant that you have the intellectual property rights in any content uploaded to, or programmed on, the Portal by you and that such content does not violate or infringe the intellectual property rights of any third party. You remain solely responsible for any such content, and Ziraat Bank disclaims any and all liability for such content. You shall indemnify and hold harmless Ziraat Bank from any costs or damages suffered by Ziraat Bank as a result of a third party bringing or threatening any claim or action against Ziraat Bank on the grounds that such content or any other material provided or used by you in connection with the Portal infringes the intellectual property rights or other rights of any third party.

If Ziraat Bank is interested in the content that you have created on the Portal, Ziraat Bank may contact you in its discretion and Ziraat Bank may suggest additional provisions for further evaluation of your content.

Information and Confidentiality

The information provided on the Portal or in connection therewith shall not constitute any investment, legal or tax advice. Any opinions are subject to change without notice. Opinions expressed may differ from estimates represented in other documents published by Ziraat Bank. Comments are provided for informational purposes only and are given without any obligation, contractual or otherwise. No guarantee is offered as to the accuracy, completeness or appropriateness of the information or estimates relating to the Portal or in connection therewith.

If and insofar you gain knowledge of or receive confidential information in connection with the Portal, you must treat such information with strict confidentiality and you may not disclose the same to third parties. “Confidential Information” here refers to all Ziraat Bank information labelled confidential or which would be treated as confidential by any reasonable third party. You agree to protect such information from unauthorized access and to treat it with the same care with which you would treat your own confidential commercial information. This duty of confidentiality shall continue to apply for an unlimited period.

Termination of your Registration

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

No Warranties and Limitation of Liability

The Portal and the Ziraat Bank Content are provided “as is”, and use of the Portal is entirely on your own risk. Ziraat Bank 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. Ziraat Bank 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, limb or health or if such exclusion would contravene applicable law. Ziraat Bank is not liable for damage caused by third parties. In the case your registration is terminated, Ziraat Bank shall not be held liable for any damages incurred by you.

Additional Information

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. The invalid provision must be replaced by a valid provision within the context of the remaining contractual interpretation which corresponds to the economic intent and purpose of these rules as a whole. For companies or in case if you are a merchant, the place of jurisdiction shall be Sofia, Bulgaria. These Terms and Conditions are subject to Bulgarian law.