Terms and Conditions
Terms and Conditions
Effective Date: December 25, 2025
By using this website, you accept our terms and conditions.
1. Acceptance of Terms
By accessing and using this website, you agree to be bound by the terms of this agreement. These terms apply to all visitors, users and others who access or use the service. This website operates in full compliance with the laws of the Republic of Bulgaria and all applicable international regulations.
2. Information Sources and Data Collection
We do not collect, store or process personal information from visitors to this website. This site does not use tracking cookies, does not require user registration and does not monitor individual user behavior. We do not collect email addresses, names, phone numbers or other personal data.
All banking information, logos, product details and financial data displayed on this website come exclusively from publicly available information including official bank websites, regulatory documents, public records, press releases and other openly accessible sources. We simply compile and present this public information in an organized format for informational purposes.
3. Compliance with Bulgarian Law
This website operates in strict compliance with all applicable laws of the Republic of Bulgaria, including but not limited to banking regulations, data protection requirements and content publishing standards. All information presented complies with Bulgarian National Bank (BNB) and Financial Supervision Commission (FSC) guidelines regarding disclosure of public banking information.
4. Intellectual Property and Public Information
All bank logos, trademarks, product names and financial information displayed on this site remain the property of their respective owners. This information is reproduced from publicly available sources for informational purposes only. All trademarks, service marks and trade names are the property of their respective holders.
5. No Personal Data Processing
We explicitly confirm that this website does not engage in any form of personal data collection or processing as defined by the Bulgarian Personal Data Protection Act and the General Data Protection Regulation (GDPR). No user accounts are created, no personal information is requested and no individual visitor tracking occurs. Standard server logs may record technical information such as IP addresses for security purposes only, but this data is not linked to individual users and is not used for any other purpose.
6. Information Accuracy and Disclaimer
While all information comes from official and publicly available channels, we do not guarantee the completeness, accuracy or timeliness of the information presented. Banking products, rates, terms and conditions may change frequently. Users should verify all information directly with the respective financial institutions before making financial decisions.
7. Purpose and Use
This website serves solely as an informational resource, presenting publicly available banking information in an organized format. It is not intended as financial advice, promotional material or financial intermediation service. Users access this information at their own responsibility for general informational purposes only.
8. Limitation of Liability
The website owners shall not be liable for direct, indirect, incidental, special or consequential damages arising from the use of this website or the information contained therein. Users use the information presented at their own risk and responsibility.
9. External Links and Third Party Content
This website may contain links to official bank websites and other publicly available sources. We do not control the content of these external sites and are not responsible for their content, privacy policies or operational practices.
10. Updates to Terms
These terms may be updated periodically to ensure continued compliance with Bulgarian legislation and reflect any changes in our practices. Continued use of the website constitutes acceptance of any updated terms.
11. Governing Law and Jurisdiction
These terms and conditions are governed by the laws of the Republic of Bulgaria. Any disputes arising from the use of this website shall be subject to the jurisdiction of the competent courts in Sofia, Bulgaria.
12. Regulatory Oversight
This website acknowledges the authority of the Bulgarian National Bank (BNB) and the Financial Supervision Commission (FSC) over the financial institutions mentioned in our content. We do not provide financial services and do not act as financial intermediaries under the supervision of BNB or FSC.
13. Contact and Compliance
For any questions about these terms or compliance matters, please contact us through the contact information provided on this website. We are committed to maintaining full transparency and compliance with all applicable Bulgarian regulations.
Last updated: December 25, 2025