Formal advice: written only
The formal record of our advice, the reasons for our advice, and factual background, is in writing only. Spoken discussions, whether at a distance or face-to-face, do not represent our formal advice, reasons, or background, and are not to be relied on by you or us.
This is so that there is a complete and comprehensive record and agreement between you and us, of what we have advised, the reasons, and context. Setting clear boundaries on what we have advised formally creates fairness for both you and us by.
Your signing a document confirms to us that you have read it and agree with it; likewise, your responding to an electronic communication from us confirms that you have read, understood, and agree with that electronic communication unless you write indicating otherwise. For these purposes generally, “writing” includes email and other non-spoken electronic communications.
It is therefore crucial that you read our written communications with care and in detail to ensure that they reflect accurately and in full what you and we have formally advised (and include any material matter from informal discussions to make it formal), the reasons, and context. This does not mean, though, that all our written communications are formal: many electronic communications do not represent formal advice, reasons or background. Whether a general electronic communication from us is intended to be formal should be clear from tone, style and context. Where a formal letter is provided (including in electronic format), this will generally over-ride any other electronic communication (in particular those sent before such letter) on the subject matter, unless such communications are plainly and clearly intended to override the formal letter.
Similarly, if you instruct us, your communications must be in writing, and clear and unambiguous as to meaning.
Website and financial promotions
This website is owned and all information, opinion and comment is issued by AES Financial Services Ltd, UK, unless otherwise stated. To the extent that any material on this website constitutes a financial promotion, such financial promotion is issued by AES Financial Services Ltd, UK.
AES Financial Services Ltd DIFC does not issue financial promotions through this website unless otherwise stated.
In respect of information provided on our pages about our Middle East medical/health insurance and life assurance broking services, such information is issued by AES Middle East Insurance Broker LLC.
Regulation means that we aim to maintain high standards in relation to both providing you with financial planning, and in administering your financial affairs thereafter. Not all the products and services we offer are regulated, and if you have any doubts, you must discuss this with your adviser.
Our website contains information on investments but you should not regard these as an offer to subscribe without reference to the relevant prospectus. Nothing on our site should be construed as investment advice. Some products and services may not be legally available to residents of certain countries and jurisdictions. If you are unsure as to whether an investment is suitable for you, please seek professional advice from us before proceeding.
The value of investments and the income from them can fall as well as rise and you may not receive back the original amount invested. Exchange rate movements between currencies may also affect the value of investments. Past performance is no guarantee of future performance.
Knowledge Tools and News/Blogs
The information contained in any Blog on this website (a "Blog") is intended solely to provide general guidance on matters of interest for the personal use of the reader, who accepts full responsibility for its use. The application and effect of laws can vary widely depending on individual circumstances. Given the changing nature of laws, rules and regulations, and the potential risks of electronic communication, there may be delays, omissions or inaccuracies in information contained in a Blog. Accordingly, the information on any Blog is provided with the understanding that the authors and publishers are not thereby engaged in rendering financial, legal, accounting, tax, or other professional advice or services. As such, it must not be used as a substitute for consultation with professional financial, accounting, tax, legal or other competent advisers in relation to specific matters. Before making any decision or taking any action, you should consult a professional adviser.
While we have made every attempt to ensure that the information contained in any Blog has been obtained from reliable sources, AES International is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in any Blog is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of such information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. Nothing shall to any extent substitute for the independent investigations and the sound technical and business judgment of the reader. In no event will AES International, or its partners, employees or agents, be liable to anyone for any decision made or action taken in reliance on the information in any Blog or for any consequential, special or similar damages, even if advised of the possibility of such damages.
The information in AES emails is confidential, and may be legally privileged. Each email intended solely for the addressee(s), and access by other persons is not intended. If you receive an AES email and are not the intended recipient of an AES email, please delete it unread. Any disclosure of an AES email or of the parties to it, or copying or distribution or any action taken or omitted to be taken on it may be unlawful. AES does not accept liability for any changes to an email after it has been sent.
Employees and independent contractors of AES are expressly required not to make defamatory statements or to infringe or authorise the infringement of copyright or other intellectual property rights. Any communication by an employee or independent contractor of AES that is defamatory or infringes another’s intellectual property rights is contrary to company policy and outwith the scope of the employment or the appointment of the person concerned. AES does not accept liability in respect of any such communication and the person sending any such communication is personally liable for any consequences, legal, or otherwise.
AES may monitor email traffic data and also the content of email for the purposes of security and staff training.
The CII's trademark and status is applicable only to AESFSL's activity's within the United Kingdom.
Disclosure (Pillar 3)
The FCA’s Prudential Sourcebook for Investment firms (IFPRU) requires certain disclosures to be made annually. These are made in AESFSL’s annual report and accounts.