These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full and without reservation. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

You must be at least 13 [Thirteen] years of age to use this website. By using this website and by agreeing to these terms and conditions, you warrant and represent that you are at least 13 years of age.

License to use website

Unless otherwise stated, MYMBAGUIDE.COM and/or its licensors own the intellectual property rights published on this website and materials used on MYMBAGUIDE.COM. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages, files or other content from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website in neither print nor digital media or documents (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website;
  • redistribute material from this website – except for content specifically and expressly made available for redistribution; or
  • republish or reproduce any part of this website through the use of iframes or screenscrapers.

Where content is specifically made available for redistribution, it may only be redistributed within your organisation.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of MYMBAGUIDE.COM or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software. You must not conduct any systematic or automated data collection activities on or in relation to this website without MYMBAGUIDE.COM’s express written consent.

This includes:

  • scraping
  • data mining
  • data extraction
  • data harvesting
  • ‘framing’ (iframes)
  • Article ‘Spinning’

You must not use this website or any part of it to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without the express written consent of MYMBAGUIDE.COM.

Restricted access

Access to certain areas of this website is restricted. MYMBAGUIDE.COM reserves the right to restrict access to certain areas of this website, or at our discretion, this entire website. MYMBAGUIDE.COM may change or modify this policy without notice.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to MYMBAGUIDE.COM a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to MYMBAGUIDE.COM the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or MYMBAGUIDE.COM or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

MYMBAGUIDE.COM reserves the right to edit or remove any material submitted to this website, or stored on the servers of MYMBAGUIDE.COM, or hosted or published upon this website. MYMBAGUIDE.COM’s rights under these terms and conditions in relation to user content, MYMBAGUIDE.COM does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

Terms of Service for Authors:

  1. MYMBAGUIDE.COM requires an author who claims as such to be the original creator of each article that is submitted to the website. Any article to be submitted by an author must be an original written work.
  2. An author may submit works that he or she may have commissioned from other writers, provided, that the said author has full over the copyright and other related rights arising from the commissioned written work.
  3. Submitting articles to MYMBAGUIDE.COM means that the author is agreeing to the terms and policies of the website. By submitting articles to MYMBAGUIDE.COM, an author also agrees to allow the website to publish the submitted article to authorized partners of MYMBAGUIDE.COM in their preferred format.
  4. MYMBAGUIDE.COM reserves the right to choose the appropriate category for any published article in order to ensure and improve the efficiency and interface of the website. MYMBAGUIDE.COM may also transfer articles to a different category with or without the consent of the author.
  5. MYMBAGUIDE.COM reserves the right to decide on whether or not a submitted article will be published. MYMBAGUIDE.COM also has the right to remove any published article anytime, with or without the consent of the author, if it goes against the conditions pertaining to quality and standard.
  6. MYMBAGUIDE.COM offers free services to its authors and publishers and does not pay authors or publishers for submitting articles. The website also shall not accept payments to publish articles.
  7. All submitted articles must not include any associate link in its content.
  8. MYMBAGUIDE.COM reserves the right to translate an article to any language. These articles will remain complete with the author’s resource box.
  9. MYMBAGUIDE.COM reserves the right to fully delete accounts and ban accounts for violating the terms and conditions of the website.

Terms of Service for Publishers

  1. If a publisher wishes to republish or reprint any article from MYMBAGUIDE.COM, the publisher is required and obliged to include and properly cite the article’s author and other credentials such as sources and domain names.
  2. A publisher should comply with copyright laws and must respect the rights of authors. Articles that are republished must bear no changes to the title and contents.
  3. Publishers must agree not to gain profit from the articles published in the website. This prohibition includes selling of articles and advertising.
  4. Publishers must keep all original links present in the article’s content active and are not allowed to add any active links.
  5. MYMBAGUIDE.COM does not own the copyright to any of the articles found within the website. The copyrights over the articles remain with the authors who have granted MYMBAGUIDE.COM only the right to publish them.

General Issues

MYMBAGUIDE.COM has the right to change these terms of service. Users of the website are encouraged and expected to check the Terms of Services from time to time to keep abreast of changes. By submitting and publishing articles within our website, as well as republishing articles from our website, you are agreeing to the terms of service provided above.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. MYMBAGUIDE.COM makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing article, MYMBAGUIDE.COM does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

Limitations of liability

MYMBAGUIDE.COM will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • to the extent that the website is provided free-of-charge, for any direct loss.
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if MYMBAGUIDE.COM has been expressly advised of the potential loss.


Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit the liability of MYMBAGUIDE.COM in respect of any:

  • death or personal injury caused by the negligence of MYMBAGUIDE.COM or its agents, employees or shareholders/owners;
  • fraud or fraudulent misrepresentation on the part of MYMBAGUIDE.COM; or
  • matter which it would be illegal or unlawful for MYMBAGUIDE.COM to exclude or limit, or to attempt or purport to exclude or limit, its liability.


By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.

Other parties

You accept that, as a limited liability entity, MYMBAGUIDE.COM has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against MYMBAGUIDE.COM’s officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing article, you agree that the limitations of warranties and liability set out in this website disclaimer will protect MYMBAGUIDE.COM’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as MYMBAGUIDE.COM.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.


You hereby indemnify MYMBAGUIDE.COM and undertake to keep MYMBAGUIDE.COM indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by MYMBAGUIDE.COM to a third party in settlement of a claim or dispute on the advice of MYMBAGUIDE.COM’s legal advisers) incurred or suffered by MYMBAGUIDE.COM arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to MYMBAGUIDE.COM’s other rights under these terms and conditions, if you breach these terms and conditions in any way, MYMBAGUIDE.COM may take such action as MYMBAGUIDE.COM deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.


MYMBAGUIDE.COM may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.


MYMBAGUIDE.COM may transfer, sub-contract or otherwise deal with MYMBAGUIDE.COM’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.


If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions, together with MYMBAGUIDE.COM’s Privacy Policy constitute the entire agreement between you and MYMBAGUIDE.COM in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

If you would like to contact MYMBAGUIDE.COM, you may use the contact us form.