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Please read these Terms and conditions with care before using this website ("the website"). In these terms and conditions "we", "us" and "our" means means First Bulgaria Ltd. and First Bulgaria Limited EOOD trading as FIRST BULGARIA and "you" means the individual using the web site. If you do not agree with the Terms, do not use this web site. If you do use the web site, your conduct indicates that you agree to be bound by the Terms.

These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the web site or in any other agreement with you. In the event of any conflict, the terms, conditions and disclaimers provided in agreement shall prevail over these Terms.

All services listed in this web site are subject to separate conditions which govern their use.

We reserve the right to change the content of this website at any time without prior notice.

The copyright and all other intellectual property rights in this web site (including service marks, trading names, text and files belong to us. You may not download, transmit or modify any part of the web site without our prior written permission. You may only download material from this web site for the sole purpose of using this web site.

Neither the information, nor any opinion contained in this web site constitutes an offer to sell , or invitation, or solicitation or any advice or recommendation.

This website contains hypertext links to other web sites. Those links are placed in this website for your information and convenience only. We do not control the content of third party websites, therefore we are not responsible for and do not endorse third party websites' content. Your use of these links is entirely at your own risk and we accept no responsibility or liability for the content, use or availability of these sites.

This web site may also contain some material provided by third parties and we accept no responsibility or liability for the accuracy of that material.

In the event that you purchase or obtain any goods or services from a third party then your acquisition of such goods or services will be in accordance with the third party's terms and conditions and we will have no liability to you in respect of the same.

Although we have taken all reasonable care to ensure the accuracy, availability, correctness and completeness of the information contained on this web site and within the services and products we offer through it, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the web site and the products and services offered through it to the maximum extent permitted by law.

We will not be liable for any damages or direct or indirect loss in connection with your use of, or inability to use the web site. This includes any loss of profit, income or business opportunity together with any loss arising from any computer virus or system failure.

We may withdraw, modify or suspend the web site or any part of it without notice at any time.

This web site is directed solely at individuals who have the legal rights to use it. If you choose to use this web site it is your responsibility to comply with all applicable local laws.

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

In order to respond to your requirements we need to know your name, email address and contact details. Please read our Privacy Policy, regarding any issues concerning your personal information and how it is used.

FIRST BULGARIA does not make any warranty or representation as to the accuracy or fitness for purpose of any material on this web site or the reliability of the access to this web site.

Agreement Formation

No Agreement will subsist between you and us unless and until you have submitted your payment details to the secure online payment facility and we receive confirmation that your account has been debited or your cheque has been cleared or payment has been effectively transferred to our bank account.

You confirm that you are over 18 years of age and if you are ordering any service on behalf of a company or partnership that you have the necessary authority to do so.

FIRST BULGARIA reserves the right to change prices listed without notice and also reserves the right to decline to enter into contractual relationship with any individual, company or other entity.

Payment

You can pay for our services using one of the following:

• credit/debit card
• cheque
• bank transfer

No payment will be accepted unless a verifiable contract exists between you and us. In case that payment without an existing contract takes place, a refund will be made to the amount paid with discount of the amount of all fees and related handling charges incurred by us for refund.

English and Bulgarian law govern these conditions and you agree that English and Bulgarian Courts shall have jurisdiction to determine any matter or dispute arising out of this web site and these conditions.

If any term, condition, or provision of these terms and conditions is determined to be unlawful, invalid, void, or for any reason unenforceable, the validity and enforceability of the remaining terms, conditions and provisions shall not in any way be affected or impaired thereby.

FIRST BULGARIA™ is a trading name and trademark licensed to First Bulgaria Ltd. , a company incorporated in England and Wales with company Reg. N 6192163 and Registered Office at: 2 Mountview court, 310 Friern Barnet Lane, Whetstone, London N20 0YZ, United Kingdom and to First Bulgaria Limited EOOD in the Republic of Bulgaria with EIK 200 737 857 .