Disclaimer

This website is owned and operated by Naveen Kumar Pandey, sole proprietor, trading as Pandey Financial and Wellness Services and doing business as Pandey Consultancy. GSTIN 09ADUPP9793Q1ZT (regular registration, proprietorship).

Registered place of business: C-501, 5th Floor, Sopan Enclave, Priyadarshini Yojna, Keshav Nagar, Sitapur Road, Lucknow, Uttar Pradesh 226020. Landmark: Opposite Madhyanchal Vidyut Vitran Nigam.

Contact: +91 94550 04886 (calls), +91 80902 24000 (WhatsApp), +91 95592 13214 (second line), naveenpandey255@gmail.com.

Regulatory registrations held by Naveen Kumar Pandey: AMFI-registered Mutual Fund Distributor ARN-276664 (EUIN E521164); Max Life Insurance agent MAX26878A; Bajaj Allianz General Insurance agent BAG10104147; Care Health Insurance health planner RLH20473612.

We are a distributor and an insurance agent. We are not a SEBI-registered investment adviser, we are not an insurance broker, and we are not a bank or a non-banking financial company. We do not accept deposits and we do not hold client money.

Pandey Consultancy is an independent direct seller of products manufactured and marketed by Asclepius Wellness Private Limited. We are an independent business.

This website is owned and operated by Pandey Consultancy. It is NOT the official website of Asclepius Wellness Private Limited, it is not endorsed or approved by that company, and nothing published here should be taken as an official statement by the company.

All Asclepius Wellness brand names, product names, product images, packaging and trademarks are the property of Asclepius Wellness Private Limited. They are shown here only to identify the products we supply.

For official company information, corporate announcements, the authoritative product catalogue and current pricing, please visit asclepiuswellness.com directly.

We are not authorised to recruit distributors on the company's behalf, and we do not charge any joining fee. If anybody asks you to pay money to join, please verify directly with the company before paying anything.

The wellness products listed on this website are Ayurvedic products, food supplements, cosmetics and general-use consumer goods. They are NOT medicines.

No product listed here is intended to diagnose, treat, cure or prevent any disease or medical condition. No statement on this website has been evaluated by any medical or regulatory authority as a treatment claim.

Product descriptions on this website are written by us for the convenience of our customers. They are not the manufacturer's official product description. For the authoritative ingredient list, dosage, directions for use, warnings and expiry, always read the product label and the manufacturer's own literature.

Please consult a qualified doctor before using any product if you have an existing medical condition, are taking prescribed medicines, are pregnant or breastfeeding, or are buying for a child or an elderly person.

Prices shown on this website are the manufacturer's published Maximum Retail Price (MRP) in Indian Rupees. Prices, pack sizes, formulations and availability can change without notice. Please confirm the current price with us at the time of ordering. Prices shown here are indicative and do not constitute a binding offer.

Returns, replacements, warranty and product complaints are governed by the policies of Asclepius Wellness Private Limited. We will assist you in raising any issue with the company.

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS. PLEASE READ ALL SCHEME-RELATED DOCUMENTS CAREFULLY BEFORE INVESTING.

The value of investments can go down as well as up. You may receive back less than you originally invested. Past performance is not indicative of, and does not guarantee, future results. No return is assured or guaranteed on any investment product mentioned on this website.

Naveen Kumar Pandey (Pandey Consultancy) acts as an AMFI-registered distributor of mutual fund and other investment products, ARN-276664, EUIN E521164. We do not manage any scheme and we do not take custody of client money.

The content on this website is general information and marketing material. It is not personalised investment advice, not a research report, and not a recommendation to buy or sell any specific security or scheme. Any specific recommendation is made only after a personal discussion covering your income, goals, time horizon, existing investments and risk appetite.

As a distributor we receive commission or brokerage from the asset management company or product provider. This is already built into the product and is not charged separately to you. We will disclose it whenever you ask.

Products such as PMS, AIF, peer-to-peer lending and invoice discounting carry higher and different risks, have higher minimum investment requirements set by regulation, and are not suitable for every investor. Suitability is assessed individually.

All investment payments must be made only to the asset management company or through an official regulated platform. We will never ask you to transfer investment money to a personal bank account.

INSURANCE IS THE SUBJECT MATTER OF SOLICITATION. PLEASE READ THE SALES BROCHURE AND POLICY WORDING CAREFULLY BEFORE CONCLUDING A SALE.

Naveen Kumar Pandey (Pandey Consultancy) acts as an IRDAI-licensed individual insurance agent, appointed by Max Life Insurance (agency code MAX26878A), Bajaj Allianz General Insurance (BAG10104147) and Care Health Insurance (RLH20473612). We do not underwrite risk and we do not decide claims. All policies are issued by, and all claims are settled by, the insurance company concerned.

The product descriptions on this website are simplified summaries for general understanding. The actual benefits, exclusions, waiting periods, sub-limits, free-look period and claim conditions are governed entirely by the policy document issued by the insurer. Where this website and the policy document differ, the policy document prevails.

Premiums depend on your age, health, occupation, sum insured, policy term and the insurer's underwriting decision. Any premium mentioned in discussion is indicative until the insurer issues a formal quote.

You must disclose all material facts truthfully in the proposal form — including existing illnesses, habits, income and other policies. Non-disclosure is the most common reason for a claim being rejected.

Pay premiums only to the insurance company through its official channels. Never sign a blank proposal form, and never hand over cash to an individual against a policy.

The information on this website is provided in good faith and for general information only. While we try to keep it accurate and current, we make no warranty of any kind about its completeness, accuracy or reliability.

Any reliance you place on the information on this website is strictly at your own risk. Before acting on anything you read here, please speak to us or to another suitably qualified professional.

This website may link to third-party websites. We do not control those websites and are not responsible for their content, accuracy or privacy practices.

The testimonials shown on this website are currently illustrative examples of the kind of work we do, and are labelled as such where they appear. They are not real client feedback and must not be read as one. They will be replaced with genuine, permission-taken client quotes; individual results vary in any case and are never a promise of a similar outcome for you.

Details you submit through our enquiry forms are used only to respond to your enquiry. We do not sell or rent your personal information to third parties.

To have your details removed from our records, email us at naveenpandey255@gmail.com and we will act on it.

Pandey Consultancy will NEVER ask you for your banking password, UPI PIN, card CVV or an OTP.

We will never ask you to transfer money into a personal bank account. All payments go directly to the manufacturer, the asset management company or the insurance company through their official channels.

If anybody contacts you claiming to represent Pandey Consultancy and asks for any of the above, do not proceed. Call us on +91 94550 04886 to verify first.