Your use of the site is at your own risk. The materials and information on AEL website are provided "As Is" without warranty of any kind, either express or implied, including without limitation any warranty for information, services, or products provided through or in connection with AEL and companies and any implied warranties of merchantability, fitness for a particular purpose, expectation of privacy or non-infringement.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action. You specifically acknowledge that AEL and companies are not liable for any defamatory, offensive, infringing or illegal materials or conduct, or that of third parties contained on the AEL website, and AEL reserves the right to remove such materials from the site without liability.

Despite every effort made to provide accurate and up-to-date information on this site, AEL declines any responsibility for inaccurate, incomplete, or outdated information that may be posted on this site, and expressly disclaims liabilities, losses and damages arising out of errors or omissions in its contents.

AEL reserves the right to change the Disclaimer at any time and from time to time without prior notice.

The Disclaimer shall be construed in accordance with and is governed by the laws of the HKSAR and the court of competent jurisdiction in HKSAR will have exclusive jurisdiction in case of dispute.