Privacy Policy

This website, https://www.pandeyconsultancy.com, 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.

Place of business: C-501, 5th Floor, Sopan Enclave, Priyadarshini Yojna, Keshav Nagar, Sitapur Road, Lucknow, Uttar Pradesh 226020.

For anything to do with your personal information, contact Naveen Kumar Pandey on +91 94550 04886 or at naveenpandey255@gmail.com. There is no separate data protection officer; the proprietor deals with these requests himself.

This policy explains what we do with personal information collected through this website and through the enquiries that reach us from it. It applies to this website only, not to the websites of any fund house, insurer or manufacturer we deal with, each of which has its own policy.

We collect only what you deliberately give us, plus the minimum our hosting needs to serve the page.

Collected automatically when you submit an enquiry: your IP address, your browser's user-agent string and the referring page. These are used to stop automated spam submissions and to keep a record of where an enquiry came from. They are not used to build a profile of you and are not combined with anything else.

Collected automatically when you simply browse: our hosting provider keeps standard server logs, as every web server does. We do not read them for marketing purposes.

If you go on to buy a mutual fund, an insurance policy or a wellness product, the fund house, insurer or manufacturer will collect the identity, financial and health information they are required by law to collect — KYC documents, PAN, bank details, medical history. That collection is theirs, is governed by their own privacy policy, and is separate from this website.

Every calculator on https://www.pandeyconsultancy.com/calculators runs entirely in your browser. The amounts, ages, incomes, loan balances and goals you type in are never transmitted to us, never stored, and never logged. Close the tab and they are gone.

The only information that reaches us from a calculator page is what you separately choose to type into the enquiry form on it and submit.

This website sets no cookies of its own. There is no analytics script, no advertising pixel, no social media tracker, no session cookie and no third-party chat widget on any page. That is why you are not asked to accept cookies — there is nothing to accept.

The fonts, images and stylesheets are served from this website's own domain, so loading a page does not tell any third party that you visited.

Following an outbound link — to WhatsApp, to a fund house, to an insurer, to asclepiuswellness.com — takes you to a site with its own tracking and its own policy. We have no control over those.

We use what you give us for these purposes and no others.

We do not sell, rent or trade your personal information. We do not share it with data brokers, lead-generation companies or advertisers, and we never will.

We do not send marketing messages to people who have only made an enquiry. If we ever start a newsletter or a broadcast list, joining it will be something you opt into, and every message will carry a way out.

Your information is handled by a small number of parties, each for a specific reason.

Some of these providers operate servers outside India. Where that is so, your information may be processed abroad under that provider's contractual protections.

An enquiry that does not lead anywhere is kept for as long as it is useful to remember the conversation, and is deleted on request at any time.

Where you have actually taken a product through us, we keep the associated records for as long as the applicable regulations require a distributor or an agent to keep them, and for as long as the policy or the investment is live. That obligation can outlast a request to delete, and where it does we will tell you plainly which records we have to retain and why.

This website is served over HTTPS, so what you type into a form is encrypted in transit. Our email credentials are kept on the server and are never included in anything sent to your browser.

No system is perfectly secure, and we will not claim otherwise. What we can promise is that we do not collect more than we need, we do not keep it where it is not needed, and we do not pass it to anyone for money.

A standing warning, which we repeat everywhere: we will never ask you for a banking password, a UPI PIN, a card CVV or an OTP, and we will never ask you to transfer money to a personal bank account. If anyone contacts you claiming to be from Pandey Consultancy and asks for any of those, stop and call us on +91 94550 04886.

You can ask us at any time to tell you what information we hold about you, to correct anything that is wrong, to delete what we hold, or to stop contacting you. Write to us at the email address below or call us, and we will act on it — subject only to the record-keeping obligations described in section 7.

You are never obliged to give us anything. You can ask a question over WhatsApp or on the phone without filling in a form at all. Giving less simply means we can do less: without a phone number we cannot call you back.

We do not knowingly collect information from children. Our services are for adults, and any product taken for a minor is arranged through a parent or guardian.

If what we do with your information changes, this page changes at the same time. The date below is the date of the version you are reading.

Questions about anything on this page are welcome, including the awkward ones. Ask, and you will get a straight answer.