General terms and conditions: “Pay with your bank account and you could win gold” – UBB

CAMPAIGN RULES

“PAY WITH YOUR BANK ACCOUNT AND YOU COULD WIN GOLD”

1. CAMPAIGN ORGANIZER

1.1. The campaign “PAY WITH YOUR BANK ACCOUNT AND YOU COULD WIN GOLD” (hereinafter referred to as the “Campaign”) is organized by IRIS Solutions JSC, UIC 208455895 (hereinafter referred to as the “Organizer” or “IRIS”), with registered office and management address: Sofia 1164, Lozenets District, 78 Hristo Smirnenski Blvd., Floor 4.

1.2. The Campaign is conducted with the support/partnership of United Bulgarian Bank AD (UBB), UIC 000694959, with registered office and management address: Sofia 1463, Triaditsa District, 89B Vitosha Blvd. (hereinafter referred to as the “Partner”, the “Bank”, or the “Participating Credit Institution”).

 

2. DEFINITIONS

 

For the purposes of this Campaign:

CAMPAIGN – the promotional campaign “PAY WITH YOUR BANK ACCOUNT AND YOU COULD WIN GOLD”, organized by IRIS Solutions JSC in accordance with these Rules.

ORGANIZER – IRIS Solutions JSC, UIC 208455895, with registered office and management address: Sofia 1164, Lozenets District, 78 Hristo Smirnenski Blvd., Floor 4, operating as a payment institution providing services under Art. 4, items 7 and 8 of the Payment Services and Payment Systems Act.

IRIS PAY – an A2A (account-to-account) payment service provided by the Organizer, through which participants may initiate payments from their payment accounts via UBB electronic channels.

PAYMENT THROUGH IRIS PAY – a successfully completed payment transaction via the IRIS Pay service from a Participant’s payment account to a merchant under these Rules.

PAYMENT ACCOUNT – the Participant’s payment account maintained by a Participating Credit Institution from which payments through IRIS Pay are executed.

PARTICIPATING CREDIT INSTITUTION – a bank licensed under the applicable Credit Institutions Act or a payment institution providing account servicing services. For the purposes of this Campaign, the participating institution is United Bulgarian Bank (UBB).

PARTICIPANT – any legally capable natural person over the age of 18 who qualifies as a consumer under the Payment Services and Payment Systems Act and fulfills the Campaign participation requirements.

WINNING PARTICIPANT – a Participant meeting all requirements under these Rules and selected randomly as a winner.

RESERVE PARTICIPANT – a Participant randomly selected during the drawing process who becomes entitled to receive the prize if the originally selected winner cannot or refuses to receive it.

PRIZE – the prize awarded within the Campaign, namely a 1-gram investment gold bar.

 

3. CAMPAIGN RULES

 

3.1. These Rules shall be published on IRIS's website and on UBB's website and shall remain available throughout the Campaign period in a manner allowing storage and reproduction.

3.2. The Organizer reserves the right to amend or supplement these Rules unilaterally, with changes becoming effective upon publication. IRIS is not obliged to notify participants individually of such changes.

3.3. By participating in the Campaign, participants agree to be bound by these Rules and undertake to comply with all terms and deadlines.

3.4. These Rules are governed by Bulgarian law.

 

4. CONDITIONS AND ELIGIBILITY

 

PARTICIPATION IN THE CAMPAIGN IS CONDITIONAL UPON MAKING A PAYMENT THROUGH IRIS PAY.

4.1. Eligible participants are those who make payments through IRIS Pay from their own payment account in the amount of at least EUR 10 / BGN 19.56 during the Campaign period.

4.2. Participants must be legally capable individuals over 18 years of age who qualify as consumers under applicable law, excluding:

• IRIS employees;

• members of their families;

• individuals involved in organizing or conducting the Campaign.

4.3. Participants must be customers of a Participating Credit Institution with an active payment account agreement concluded prior to the Campaign start date.

4.4. Payments made through IRIS Pay to gambling-sector merchants are excluded.

 

5. CAMPAIGN MECHANISM

 

5.1. Participants must make one or more payments of at least EUR 10 / BGN 19.56 during the Campaign period.

5.2. No separate registration is required.

5.3. Each successful payment represents one entry in the prize draw.

5.4. Three prize draws will be conducted:

• July 2026

• August 2026

• September 2026

5.5. Each participant may win only one prize during the Campaign.

 

6. PRIZES

 

6.1. A total of 6 investment gold bars (1 gram each) will be awarded — 2 prizes per month.

6.2. Each eligible participant may win one gold bar.

6.3. Winners must provide assistance required for prize delivery, including identification with a valid ID document and signing a prize acceptance protocol.

6.4. The prize cannot be exchanged for cash.

 

7. CAMPAIGN PERIOD

 

7.1. Campaign duration:

From 00:00 on 01 June 2026 until 23:59 on 31 August 2026.

7.2. IRIS reserves the right to extend or terminate the Campaign early where justified.

 

8. PRIZE DRAW AND PRIZE AWARDING

 

8.1. Prize draws shall be conducted monthly as follows:

• for the period 01.06 – 30.06: by 10.07

• for the period 01.07 – 31.07: by 10.08

• for the period 01.08 – 31.08: by 10.09

The draws shall be conducted randomly through specialized software by an independent IRIS team.

8.2. IRIS shall draw a list of 2 winners and 2 reserve participants for each of the periods specified in Section 5.4 and shall provide the Participating Credit Institution with the IBAN of the participant’s account from which the payment through IRIS Pay was made.

8.3. Within 10 calendar days after receiving the information under Clause 8.2, the Participating Credit Institution shall identify the winning participant and contact them by e-mail and/or telephone using the contact details provided by the participant to the Participating Credit Institution.

8.4. Communication with winning participants shall be carried out by the Participating Credit Institution in order to coordinate the prize delivery by IRIS. Each winner must confirm (by phone or email) their acceptance of the prize within 5 business days after notification.

8.5. Each Winning Participant shall complete and sign a prize acceptance protocol and provide their:

• full name;

• personal identification number (EGN) or equivalent personal identifier where applicable;

• permanent address.

8.6. If a Winning Participant:

• cannot be reached;

• has provided incorrect information;

• refuses to accept the prize;

• fails to confirm acceptance within 5 business days;

• fails to provide the required assistance;

they lose their right to receive the prize.

If the Participating Credit Institution cannot contact the reserve participant within 5 business days, the prize shall not be awarded.

8.7. Under applicable tax legislation relating to non-negligible non-cash prizes, the 1-gram investment gold bar prize is subject to final taxation. The tax shall be withheld and paid by the Organizer at its own expense.

8.8. Upon receiving the prize, winners must identify themselves with a valid ID document and provide additional personal data:

• full name;

• personal identification number;

• permanent address;

as required by law.

8.9. Information about winning participants shall be published on the IRIS website after contact has been established. Published information shall include only the initials of the winner’s first and last names.

Participants may refuse publication at any time by sending written notice to:

support@irisbgsf.com

 

9. PERSONAL DATA

 

9.1. Personal data of all Campaign participants shall be processed in accordance with applicable legislation, including:

• the General Data Protection Regulation (GDPR);

• the Personal Data Protection Act;

• the Organizer’s internal personal data protection policy.

9.2. The Organizer, acting as Data Controller, shall process personal data solely for purposes related to conducting the Campaign.

9.3. The Organizer shall exercise due care and implement all necessary security measures for lawful personal data processing.

Participating Credit Institutions shall process personal data solely for purposes related to the Campaign.

9.4.1. The Organizer may promote the Campaign and publish photographs or Campaign information on social media channels only after obtaining explicit consent from winning participants.

9.4.2. Participants may withdraw consent at any time by sending notification to:

support@irisbgsf.com

Withdrawal of consent terminates future processing related to the Campaign.

9.5. Any matters not expressly regulated herein shall be governed by applicable legislation.

 

10. LIABILITY

 

10.1. The Organizer and Participating Credit Institution shall not be liable for any inability to use the prize resulting from circumstances beyond their control.

10.2. The Organizer and Participating Credit Institution shall not be responsible for technical issues related to Campaign participation where such issues are beyond their control.

10.3. The Organizer and Participating Credit Institution shall not be liable for damages arising from incorrectly submitted personal data by participants.

These Rules shall be governed by and construed in accordance with the laws of the Republic of Bulgaria.

Any disputes arising from the Campaign shall first be resolved amicably. If no agreement can be reached, disputes shall be referred to the competent Bulgarian court.