When to use the Disavow tool of Google?

[supaul]

In my opinion, disavow tool is a tool that is only meant for experienced marketers and site owners.

A newbie or a site owner who is new if uses the tool then probably he or she will do more harm then good.

And coming to your question. Although I do not do these things myself. As I already have an expert. But I will say that I wouldn't consider using it unless I see a manual action penalty in my webmasters tool.

I hope this clears your query here.