Trust Operations Center

Compliance & Trust Center

At Vinita Financial, we operate with complete transparency, regulatory compliance, and commitment to protecting your information. Review our compliance documentation and legal agreements.

California Insurance License #4117761

Policy Library

Privacy

Privacy & Data Protection Policy

Full privacy programme with intake encryption, breach notification protocol, and PHI handling rules.

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Cybersecurity

Data Security Overview

Architecture diagram, Tyler enclave controls, SOC 2 mappings, and penetration test summaries.

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ACA

Covered California Disclosures

Certified Covered California agent statement, conflicts of interest, compensation transparency.

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SEC

Form CRS (Pending Registration)

Placeholder Form CRS summary. Full Form CRS will be published immediately after Vinita Financial Corp completes advisory registration.

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Our Commitment

Vinita Financial operates with Lakshmi's principles of ethical prosperity and Arya's commitment to honor and transparency. All policies and disclosures are reviewed regularly to ensure compliance with evolving regulations.

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ACA Open Enrollment & Carrier Alignment

Vinita Financial is a Covered California Certified Insurance Agent supporting households during open enrollment (November 1 – January 31) and special enrollment periods. We maintain appointments with the regional carriers listed below and coordinate enrollment, plan selection, and subsidy reviews. Carrier participation may vary by county; contact Trust Operations for an updated carrier map.

  • Blue Shield of California Appointed

    On/off-exchange PPO, EPO & Trio networks with statewide reach.

    Broker portal
  • Kaiser Permanente Appointed

    Integrated HMO + direct off-exchange plans; escalations via broker portal.

    Broker resources
  • Anthem Blue Cross Appointed

    Regional EPO & PPO coverage aligned to multi‑county households.

  • Molina Healthcare Ready to sell

    Medi‑Cal transition & silver enhancement support; producer desk via portal.

    Producer portal
  • L.A. Care Appointed

    Community benefit plans for Los Angeles County households; multilingual outreach infrastructure.

    Broker portal
  • Aetna (ACA & Medicare) Appointed

    Medicare AHIP + Simplified Issue final expense. SilverScript portal for MAPD: www.aetnaseniorproducts.com.

    Senior products portal
  • Health Net · Oscar Health Contracting

    Salud, WholeCare, Ambetter, and concierge digital-first plans. Contracting completion targeted for full 2025 footprint.

  • Sharp Health Plan · Valley Health Plan Contracting

    San Diego and Santa Clara county exchanges. Network diligence in progress; onboarding tied to Master Agent milestones.

  • Western Health Advantage Pending

    Finalising onboarding for Sacramento & North Bay families; compliance vetting active.

Status legend: Appointed/Ready to Sell = active household enrollment; Contracting = paperwork in flight; Pending = onboarding scheduled. Carrier data is sourced from the encrypted Master Agent Data register and refreshed each compliance cycle. Covered California® is a registered trademark of Covered California. This site is maintained by Vinita Financial, a Covered California Certified Insurance Agent, and is not the official Covered California website. Carrier marks remain the property of their respective owners. Availability of any plan is subject to carrier approvals, county eligibility, and current ACA regulations.