Disclaimer and terms of use agreement

This Terms of Use Agreement (this “Agreement”) is entered into by and between SaibaWorld (“We”, “Site” or “Author”) located at saibaworld.blogspot.com and “you,” the user of this web site (the “Site”). Access to, use of and/or browsing of the Site is provided subject to the terms and conditions set forth herein. By accessing, using and/or browsing the Site, you hereby agree to these terms and conditions.

All the contents of this Site are provided for educational information only. None is intended as investment advice or recommendation to you; and does not substitute for proper financial consultations. Saibaworld does not provide financial consultation or advice.

All investments can fluctuate, sometimes very widely, and are therefore not appropriate for all investors. If you want financial, investment, or tax advise or recommendation, please see an appropriately qualified financial or tax advisor for evaluation of your financial portfolio and advise.

We do not provide financial or investment advice or recommendation. We do not recommend nor endorse any specific investments, companies, institutions, entities, products, opinions, or other information that may be mentioned on the Site. The mention of specific companies or of certain manufacturers' products does not imply an endorsement or recommendation in preference to others of a similar nature that are not mentioned.

Never disregard advice from a qualified financial professional or delay in seeking it because of something you have read on this Site! Under no circumstance(s) will the Author(s) be liable to you for any direct or indirect loss(es) arising from your use of this Site.

This Site may contain information that is against your personal or religious beliefs, e.g. profit-taking and Islam. If you find these information offensive, you may not want to use our Site.

Reliance on any information provided by this Site, its employees, and others at the invitation of SaibaWorld, or other visitors to the Site is solely at your own risk. We do not warrant that the information contained in the Site is complete and correct and shall not be liable whatsoever for any damage(s) or loss(es) incurred as a result of its use.


a). Purpose of this Site
SaibaWorld explores cyberspace and the world through engaging articles and tutorials on blogging, do-it-yourself, online business, product reviews, internet safety and technology.

Online since 2010, SaibaWorld has been on a long journey of transformation which has seen it expand from a blogging tutorial only site to a multi-niche site today discussing not only blogging, but also do-it-yourself (DIY), online income and home-based businesses, product reviews, internet safety and tips, and technology and updates. It has been an interesting journey.

All content is provided for educational information ONLY and is not intended as advice or recommendation.

By accessing this Site, you acknowledge that there is no relationship between you and the Author(s). The Site should not be used as a substitute for competent financial or tax advice from a licensed professional.

If claims about products, investments, or any other subject are made on this Site, their source (original publication or Author’s personal opinion) is clearly stated. Every post is linked to its source of information. All information posted on the Site is properly dated.

b). Affiliation and information accuracy
None of the providers mentioned on this Site is affiliated with 'Us'. All content is solely for information; and users are advised to apply discretion because though 'We' meticulously gather information, providers may change their program information without notice, especially in regard to past news items, blogging trends and technology updates; thus certain information may become outdated over time.

The Site may contain inaccuracies or errors. Although the site does its best to ensure integrity of information, it makes no guarantees whatsoever regarding the accuracy, comprehensiveness, and recentness of information. The site is not liable for any loss or damage caused by reliance on information obtained through it.

Always see official providers' website(s) for current and updated information. 'SaibaWorld' will NOT be responsible for any outdated information. We will NOT assume any responsibility or risk for the use of any outdated information contained on this Site.

c). Disclosure of funding sources
This is a private Site receiving no funds from a third party. Hosting is provided by the Blogger.com platform owned by Google, Inc.

d). Advertising policy
This Site may display advertising through the Google AdSense program (automatically generated) or other parties. The inclusion of third party advertisements does not constitute an endorsement, guarantee, warranty, or recommendation.

e). Copyright information
Site content belongs to SaibaWorld. Content may be freely used, provided you properly acknowledge the Site (including a link to the originating URL) in your work. If you think any content on this Site infringes on your right, please contact us immediately to resolve the issue.

To contact us, please click here. For more information on our privacy policy and our handling of copyright issues, please click here.

f). Links to other web sites
This Site may contain links to third party websites. These links do not represent a guarantee, warranty, or recommendation by the Author(s) of this Site nor an indication of any affiliation, sponsorship or endorsement. We are not responsible for the content of linked third party sites.

The appearance of external hyperlinks to other sites do not constitute endorsement. We do not verify, endorse, nor take responsibility for the accuracy, currency, completeness or quality of the content contained in those websites.