This document sets out the terms and conditions for your DIGI personal account (your account) and its related services. It also sets out other important things that you need to know.
you, the account holder; and
us, Digital Global LTD, company number 204935039, registered in the Republic of Bulgaria.
We note that we operate and provide services on business days of the Republic of Bulgaria.
You can view a copy of these terms and conditions through the DIGI app or website at any time. To use all the functions of the app, you must be connected to the internet.
It’s important for you to understand how your account works, so if you’d like more information you might find it helpful to read our FAQs. (The FAQs don’t form part of our agreement with you).
Your account is a digital account that connects all of your assets and liabilities in one place. This includes bank accounts, mortgages, investments, real estate and others that might have value for your total net worth.
In addition, we help you categorize expenses and create plans for future goals to achieve them most efficiently.
Once you have connected your assets, DIGI may automatically generate a spending report for you to understand your financial situation better, and be able to plan for future goals. For example, you can do the following:
We add new features and services all the time. We’ll let you know about these through the DIGI app or on the email.
Normally, you must be 18 or over to open a DIGI account. If you are under 18 and we let you have a DIGI account or any other service, we’ll let you know any special terms and conditions that apply.
You can check all payments into and out of your linked payment accounts through the DIGI app. We will not make any changes to your account information and it will be available to you through the DIGI app for six years after you close your account. If you need to keep a copy of the information after then, you will need to download it. You can download information at any time.
We may send a notification to your mobile device each time a movement or event happens to your account. You can turn off these notifications, through the DIGI app or in your device’s settings, at any time. If you turn off notifications, you should regularly check your account on the DIGI app. It’s important that you know what happens to your account, so we recommend that you do not turn off notifications.
We will usually communicate with you through the DIGI app, phone or email. Other DIGI group entities or partners may also communicate with you via the DIGI app, phone or email, if this is agreed with you and that entity.
This is how we will provide account information and tell you about any fraud, or suspected fraud, relating to your account. It is also how we will tell you if there is a security threat to your account. Make sure you regularly check the DIGI app for this information.
To help keep your account safe, download the latest software for your mobile device and the latest version of the DIGI app as soon as they are available.
Your consents, approvals, acceptances and other statements given using the DIGI app shall have the same legal validity as your signature on a written document. Your agreements concluded with us via the DIGI app shall be deemed to be written agreements concluded between you and us. Any instructions to DIGI for conducting operations and other actions submitted/executed from you through the DIGI app will be treated as submitted/executed by you and valid as actions performed by you.
We will usually communicate with you in English or Bulgarian.
Please keep your details up to date and let us know immediately if any information you’ve given us changes. If we discover that any of your information is incorrect we will update it.
To meet our legal and regulatory requirements we might sometimes need to ask for more information about you (for example, if your spending increases). Please provide this information quickly so that there is no disruption to your account or our services.
You can close your account, and so end the agreement, at any time by letting us know. You can do this through the DIGI app, by writing to us at our head office or by emailing us at firstname.lastname@example.org.
We may still charge you any cancellation fees that apply to other agreements you’ve entered into with us (for example, if you cancel your subscription).
We’ll hold back enough money from an account you select to cover any payments that you approved before your account was closed. You’ll also still owe us any money that you owed us while your account was open.
We make sure to use the latest technology to protect your data and constantly improve our systems to comply with regulations.
Email us for:
General Questions: email@example.com
Data Protection: firstname.lastname@example.org
Technical Support: email@example.com
Account Related: firstname.lastname@example.org
You can use ‘Open Banking’ to access the accounts you have with other providers via the DIGI app.
You can access your accounts with other providers via the DIGI app. We call these our “Open Banking Services”.
When you use our Open Banking Services to view information about an account you hold with another provider, you must authorize us to access that account. We won’t store any of the sensitive data you provide to give that authorization.
Once you’ve authorised us to access the account:
We are not responsible for any transactions, transfers and other activities done through DIGI in regards to the correctness of details provided when certain actions are done, unless the mistake is due to us. DIGI only serves as a medium to connect existing platforms, accounts, products and services, and is only liable for the data management and infringements under any licenses we have.
*DIGI is currently in the process of obtaining a license, therefore the ‘Open Banking’ services are not available yet and the conditions under point 10 would come into effect once a license has been granted. We will notify our users of such event as soon as it happens. In addition, points 1-9 abide by the Terms and Conditions applicable to our institution regardless of having acquired any licenses at the time of acceptance of these terms. All users are obliged to follow the rules set here both before and after the described functionalities have been implemented.
DIGI must not be used (directly or indirectly) as follows:
Please also act in a respectful way towards us and our support staff – we’re here to help you.
Let us know as soon as possible at email@example.com and we will investigate immediately in our efforts to fight fraud. We will make sure to act on the issue as soon as possible to avoid further losses.
The safety of your account is important to us. We might prevent you from accessing your account, if we’re reasonably concerned about its security or that it might be used fraudulently or without your permission.
We might also have to block your account to meet our legal obligations.
We’ll tell you through the DIGI app or on the email before, or as soon as possible after, we block your DIGI account. We’ll also let you know why we’ve done it (unless it would reduce your or our security or it would be unlawful). We will unblock your account as soon as the reasons for the blocking your account no longer exist.
We may close or suspend your account immediately, and end your access to our website, in exceptional circumstances. Exceptional circumstances include the following:
We may also decide to close or suspend your account for other reasons. We would contact you through the DIGI app or on your email at least sixty (60) days before we do this.
Closing your account and ending the agreement may also end any other agreements you have with us or through us. You can get more information through the DIGI app or by contacting us at firstname.lastname@example.org.
We’ll only change these terms and conditions for the following reasons:
If we add a new product or service that doesn’t change the terms and conditions of your account, we may add the product or service immediately and let you know before you use it.
Otherwise, we’ll give you sixty (60) days’ notice through the DIGI app or on your email before we make any change required. We’ll assume you’re happy with the change unless you tell us that you want to close your account before the change comes into effect. If you update the app sooner than the 60 days’ notice, the changes will take place and we will assume you agree to the new terms and conditions.
We’ll do as much as reasonably possible to make sure that our services are not interrupted and are accessible at a reasonable speed. However, we can’t promise that this will always be the case or that the services will be free from faults. We also rely on some third parties to provide services to you, which can sometimes disrupt our services. We’ll always do our best to solve any problems with our services, no matter what the cause.
We will not be responsible for losses resulting from us failing to meet our obligations for payments into and out of your linked accounts because:
We will only be responsible for foreseeable losses: If we break the agreement, we will only be responsible for any loss that we could have foreseen at the time we entered into the agreement.
We won’t be responsible to you for any of the following, whether direct or indirect, that arises in connection with these terms and conditions:
Nothing in these terms and conditions removes or limits our liability for death or personal injury resulting from our negligence or from fraud or fraudulent claims and statements.
If you owe us money, we can take the amount you owe us from any amount we are due to pay to you. We call this our right of set-off.
If you owe us fees (other than third-party fees for making or receiving a payment) or any other amount, we may take the amount you owe us from your linked account or card, in the currency of the country you set up your payments.
If not enough money in your account is held in your base currency, we’ll take the equivalent value from money you hold in another currency. If you don’t have enough money in your account to pay the fees or other amounts you owe us, we might recover the amount in another way, as explained below.
Any fees owed that the user has agreed to pay for in advance are due regardless of later cancellation, unless exemption is granted or under other circumstances and terms involved, decided on a case by case basis.
If you owe us money and you don’t pay for your account or repay us within thirty (30) days, we can recover the amount by:
If we take any (or all) of these steps, we might charge you our reasonable costs.
You may be responsible to us for certain losses, if you have broken these terms and conditions, and this has caused us to suffer a loss, the following will apply:
We always do our best, but we realize that things sometimes go wrong. If you have a complaint, please contact us. We will accept and consider any complaint sent by you to us.
Our final response to your complaint, or a letter explaining why the final response has not been completed, will be provided to you within 15 business days after your complaint having is made, and in exceptional circumstances, within 35 business days (and we will let you know if this is the case).
You have the right to make a complaint to the Commission for Personal Data Protection (CPDP), the Bulgarian supervisory authority for data protection issues.
Their address is: 2, Prof. Tsvetan Lazarov blvd., Sofia 1592, Bulgaria.
You can find more information on their website..
You can also rely on the mandatory consumer protection rules of the EEA country where you live.
If you’d just like to speak to someone about an issue that’s concerning you, please contact us at email@example.com or through the DIGI app. We can usually settle matters quickly through the app. You’ll probably need to give us the information below.
If you prefer you can make an official complaint, you can email us at firstname.lastname@example.org.
You’ll need to tell us:
We’ll look into your complaint and respond to you by email. We will communicate with you in English or Bulgarian, unless we tell you otherwise.
Irrespective of the above, you always have the right to approach the out of court dispute resolution authorities mentioned above in relation to any complaint about our service. You also have the right to apply to any competent court if you think we have breached the law.
By entering into the agreement you are giving us permission to gather and store your personal information for the purpose of providing our services to you. This doesn’t affect any rights and obligations you or we have under data protection law.
You can withdraw your permission by closing your account, which will end the agreement between you and us. If you do this, we’ll stop using your information for the purpose of providing our services, but we may need to keep your information for other legal reasons.
By entering into this agreement you give us permission to disclose to other entities within the Digital Global group (including the DIGI app) and its partners, the following information:
All of the above we call a “client secret”, which we have to protect as required by the applicable regulations.
By entering into the agreement you understand and confirm that in case you haven‘t changed your preferences in the DIGI app, other DIGI users having you in their contact list will be aware of the fact that you are our client. You can change your preferences at any time.
All the intellectual property in our products (for example, the content in our app and on our website, our logo and designs) are owned by our parent company, Digital Global Ltd (a company incorporated in Bulgaria with company number 204935039, and being used by us and other Digital Global group companies. You must not use this intellectual property as your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).
Only you and we have any rights under the agreement. The agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.
You permit us to transfer or assign all of our rights and obligations under these terms and conditions to any third party.
We will only transfer any of your and our rights or obligations under the agreement if we reasonably think that this won’t have a significant negative effect on your rights under these terms and conditions or we need to do so to keep to any legal or regulatory requirement. When we transfer rights and obligations we call this ‘novation’. When we only transfer rights, we call this ‘assignment’.
The laws of the Republic of Bulgaria apply to these terms and conditions and the agreement. Despite this, you can still rely on the mandatory consumer protection rules of the EEA country where you live.
If these terms and conditions are translated into another language, the translation is for reference only and the English version will apply. By entering into this agreement and accepting DIGI services, you confirm that you understand English language and agree to communicate with DIGI in English language as far as the legal relations arising under this agreement are concerned, including with respect to submitting and resolving any complaints.
If you have broken the agreement between you and us and we don’t enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing those or any other rights at a later date.
Legal action under these terms and conditions can only be brought in the courts of the Republic of Bulgaria (or in the courts of any EU Member State where you have a statutory right to bring legal action under these terms and conditions).
We use the latest technologies in data protection and make sure to comply with the latest standards set by the controlling authorities. In a case of a breach, we will notify you and our providers, to whom this might affect, and any third-parties that might be connected with the incident, as soon as our ability allows. Our job is to stop breaches as soon as they arise and will do everything in our power to protect the data we collect.
We may pre-approve you for specific offers we deem that may be suitable for you. In no way we would exclude you from any other offers based on the automated decision making if you decide to apply manually for any of the desired services and products, where your case will be reviewed by a non-automated process.