HC Wellness operates in the nutritional supplement MLM niche. The company provides a corporate address in Mexico City on its website.

HC Wellness’ website domain (“hcwellness.net”), was registered in August 2019. The private registration was last updated on August 19th, 2024.

Heading up HC Wellness is founder Rafael Chavez Monzon and CEO Pablo Lara.

The “HC” in HC Wellness stands for “Hispano Club”. This reflects HC Wellness primarily targeting Latin America.

As per a 2017 trademark filing, Hispano Club offered

membership club services providing discounts and administrative processing of rebates for the services of others; all of the foregoing excluding insurance, surety, and warranty products and services.

In addition to access to discounts, Hispano Club also offered access to pre-paid health care plans and legal aid services.

It appears the original business collapsed and, around 2019, Hispano Club was rebooted as HC Wellness.

Pablo Lara’s HC Wellness corporate bio credits him with “extensive experience in network marketing.”

A search for “Pablo Lara mlm” prior to 2017 returns limited results. I was unable to verify Lara’s MLM history.

Read on for a full review of HC Wellness’ MLM opportunity.

HC Wellness’ Products

HC Wellness markets a range of nutritional supplements of unknown origin.

HC Wellness’ supplements are grouped into “select” and “premium” categories.

Select

  • NAD-Shield – “a nutraceutical that delivers bioactive metabolites into cells and mitochondria, enabling the production of 95% of the energy your cells need to fully reactivate their function”, retails at $88 for a bottle of 60 capsules
  • AHCC+ – “formulated with a powerful combination of natural ingredients, including shiitake mushroom, anona muricata and morus alba, AHCC enhances cell regeneration and optimizes the functioning of your organs and systems”, retails at $88 for a bottle of 60 capsules
  • Connect+ – “nutraceutical that will revolutionize your health and vitality”, retails at $88 for a bottle of 60 capsules
  • Hemp-C – “support[s] the regulation and improvement of the functioning of systems, such as: neurological, musculoskeletal, cardiovascular, respiratory, digestive and endocrinological”, retails at $88 for a 30 ml dropper bottle
  • Support+ – “designed to optimize every cell in your body”, retails at $88 for a bottle of 90 capsules

Premium

  • Active Pro – “advanced formula designed to enhance your performance and well-bein”, retails at $54 for a pouch of 14 servings
  • Complex Green – “a powerful blend of superfoods such as green apple, pea protein, matcha, spirulina, chlorella, chlorophyll, spinach, alfalfa, ginger, camu camu, schisandra and gymnema [that] provides you with a daily dose of antioxidants, vitamins, minerals and essential nutrients”, retails at $54 for a tub of 28 servings
  • Complex Mocha – “powerful combination of green tea leaf, schisandra, gymnema, cocoa powder and camu camu, designed to revitalize your body and mind”, retails at $54 for a tub of 28 servings
  • Greenleaves Sticks – no information provided, retails at $58 for an unknown quantity
  • HC Fit – “will help you achieve your wellness goals”, retails at $54 for a bottle of 30 capsules
  • Mocha Sticks – no information provided, retails at $58 for an unknown quantity
  • Re-New Pro – “latest generation facial gel that will transform your skin”, retails at $54 for a bottle of unknown quantity
  • Stormix – no information provided, retails at $58 for an unknown quantity
  • Tarjeta Facil – no information provided, retails at $7.50 every four weeks
  • Black Shaker – “malted powder”, retails at $15 for 15 servings

HC Wellness’ supplements are also available in packs, topping out at a $3000 monthly subscription:

HC Wellness’ Compensation Plan

HC Wellness do not provide compensation plan details on their website.

The following is from a marketing presentation citing what appears to be official HC Wellness compensation documentation, dated December 2024.

HC Wellness’ compensation plan appears to pay out on the sale of products to retail customers and recruited affiliates.

HC Wellness Affiliate Ranks

There are thirteen affiliate ranks within HC Wellness’ compensation plan.

Along with their respective qualification criteria, they are as follows:

  1. Executive – recruit two affiliates with an active monthly product order
  2. Executive 500 – generate 150 points a week and maintain two recruited affiliates with an active monthly product order
  3. Executive 1K – generate 250 points a week and maintain two recruited affiliates with an active monthly product order
  4. Executive 2K – generate 500 points a week and recruit three affiliates with an active monthly product order
  5. Executive 3K – generate 750 points a week and recruit four affiliates with an active monthly product order
  6. Bronze – generate 15000 points a week and recruit five affiliates with an active monthly product order
  7. Silver – generate 3000 points a week and recruit six affiliates with an active monthly product order
  8. Gold – generate 5000 points a week and recruit seven affiliates with an active monthly product order
  9. Platinum – generate 15,000 points a week and recruit eight affiliates with an active monthly product order
  10. Diamond – generate 25,000 points a week and recruit nine affiliates with an active monthly product order
  11. Blue Diamond – generate 50,000 points a week and recruit ten affiliates with an active monthly product order
  12. Black Diamond – generate 75,000 points a week and maintain ten personally recruited affiliates with an active monthly product order

“Points” is presumed to refer to sales volume tied to HC Wellness product purchases. This isn’t clarified in HC Wellness’ compensation documentation.

Autoship Incentive

HC Wellness rewards affiliates with points, based on their own autoship order and that of personally referred retail customers and recruited affiliates.

  • receive 4 points per self-funded autoship order;
  • receive 2 point per referred retail customer or recruited affiliate autoship order

Points can purportedly be used towards product purchases or “souvenirs”.

Recruitment Commissions

HC Wellness pays on the recruitment of affiliates each week:

  • recruit one affiliate = $10
  • recruit two or more affiliates = $16 per affiliate recruited

Note a $120 bonus is paid if recruited affiliates are matched one on either side of the binary team, plus $280 per affiliate recruited.

I’m aware this makes no sense considering joining HC Wellness requires a $200 product purchase, nonetheless this is what is stated in HC Wellness’ compensation plan:

Residual Recruitment Commissions (binary)

A binary compensation structure places an affiliate at the top of a binary team, split into two sides (left and right):

The first level of the binary team houses two positions. The second level of the binary team is generated by splitting these first two positions into another two positions each (4 positions).

Subsequent levels of the binary team are generated as required, with each new level housing twice as many positions as the previous level.

Positions in the binary team are filled via direct and indirect recruitment of affiliates. Note there is no limit to how deep a binary team can grow.

For every pairing of recruited affiliates across the binary team (one on each side), $210 is paid out.

Residual Recruitment Commissions (unilevel)

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):

If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

HC Wellness caps residual recruitment commissions at six unilevel team levels.

Recruitment commissions are paid as $35 per affiliate recruited across these six levels.

Matching Bonus

HC Wellness pays a Matching Bonus on commissions earned down five levels of recruitment:

  • Executives earn a 25% match on level 1
  • Bronzes earn a 25% match on level 1 and 20% on level 2
  • Silvers earn a 25% match on level 1, 20% on level 2 and 10% on level 3
  • Golds earn a 25% match on level 1, 20% on level 2, 10% on level 3 and 5% on level 4
  • Platinums and higher earn a 25% match on level 1, 20% on level 2, 10% on level 3 and 5% on levels 4 and 5

Bonus Pools

HC Wellness takes 7% of company-wide sales volume and places it into seven smaller rank bonus pools.

  • Bronzes receive a share in a 1% bonus pool
  • Silvers receive a share in a 1% bonus pool
  • Gold receive a share in a 1% bonus pool
  • Platinums receive a share in a 1% bonus pool
  • Diamonds receive a share in a 1% bonus pool
  • Blue Diamonds receive a share in a 1% bonus pool
  • Black Diamonds receive a share in a 1% bonus pool

Note that higher ranked HC Wellness affiliates retain shares in lower-rank pools, capping at out 7% for Black Diamonds.

Founder Bonus

HC Wellness takes 1% of company-wide sales volume and places it into the Founder Bonus.

The Founder Bonus is paid to Platinum and higher ranked affiliates during the “last month of the year”.

Travel Vouchers

HC Wellness rewards Silver and higher ranked affiliates with two travel vouchers per year.

Joining HC Wellness

HC Wellness does not provide affiliate membership costs on its website. That’s because affiliate membership appears to be tied to a $200 minimum product purchase:

HC Wellness Conclusion

While retail sales and commissions are possible, HC Wellness is clearly set up as an autoship recruitment scheme.

This begins with the tying of HC Wellness supplements to affiliate membership.

HC Wellness’ supplements are pretty generic. Nothing really stands out and most of the supplements appear to target general health and wellness.

Also a $3000 product pack is a glaring inventory-loading red flag. Ordering 70 products in one hit isn’t reasonable, other than to jack up commission volume for recruiters.

Tellingly, retail sales commissions aren’t detailed in HC Wellness’ compensation documentation. Failure of which to provide said documentation to consumers on HC Wellness’ website is another red-flag.

While it’s not definitive, probability lends itself to HC Wellness operating as an pyramid scheme company-wide.

As with all MLM pyramid schemes, once affiliate recruitment dries up so too will commissions.

This will see those at the bottom of the HC Wellness pyramid eventually cancel their monthly orders.

As a result, affiliates above them stop getting paid. Unless new recruits are found, these affiliates will also eventually cancel their monthly orders.

Once enough HC Wellness affiliates have cancelled their monthly orders, an irreversible collapse is triggered.

Math guarantees that when a pyramid scheme collapses, the majority of participants lose money.