Licensed MSB Sign in Open Account
Open Account

Legal

ESG and Corporate Social Responsibility Statement

Ernora Pay
Effective Date: 11.06.2025

1. Our Commitment

Ernora Pay (“Ernora Pay”, “we”, “our”, or “us”) recognizes the importance of environmental, social, and governance (ESG) principles in building a responsible, sustainable, and well-governed business. As a Canadian Money Services Business, we aim to operate in a manner that supports customers, employees, business partners, and the wider community while maintaining strong standards of compliance, ethics, and accountability.

2. Environmental Responsibility

Ernora Pay seeks to operate with awareness of its environmental impact and to support practical measures that promote sustainability and responsible resource use.

Our environmental approach may include:

  • supporting digital-first operations in order to reduce unnecessary paper use and physical waste;
  • using technology infrastructure and service providers that support operational efficiency;
  • encouraging responsible internal practices relating to energy use, procurement, and business operations where reasonably practicable;
  • reviewing opportunities to improve environmental awareness and sustainability over time.

Where appropriate, Ernora Pay may also consider how its services can support businesses and activities with positive environmental outcomes.

3. Social Responsibility

Ernora Pay aims to conduct its business in a way that supports fair treatment, accessibility, inclusion, and responsible engagement with customers, staff, and communities.

Financial Inclusion and Customer Support

We seek to provide services in a way that promotes fair access and transparency, including by:

  • supporting businesses and individuals who require reliable payment and cross-border financial services;
  • maintaining clear and transparent communication regarding services and fees;
  • working to improve usability and accessibility of our digital services;
  • handling customer concerns through fair and structured complaint processes.

Customer Protection

We are committed to treating customers fairly and supporting responsible service delivery through measures such as:

  • transparent pricing and service information;
  • privacy and data protection practices;
  • internal controls designed to support account security and fraud prevention;
  • compliance procedures intended to reduce misuse of our services.

Employee Wellbeing and Workplace Standards

Ernora Pay values a professional, respectful, and inclusive working environment. Our approach may include:

  • supporting equal opportunity and fair treatment in the workplace;
  • promoting professional development and role-appropriate training;
  • encouraging a safe, respectful, and compliant working culture;
  • supporting appropriate workplace wellbeing measures in line with business needs.

Community Impact

Where appropriate, Ernora Pay seeks to contribute positively to the communities in which it operates, including through responsible business practices, local engagement, and support for sustainable economic participation.

4. Governance

Strong governance is an important part of Ernora Pay’s operating model. We aim to maintain decision-making, oversight, and risk management processes that support responsible growth and long-term sustainability.

Corporate Governance

Our governance approach may include:

  • oversight by senior management and, where applicable, the Board;
  • clearly defined roles, responsibilities, and approval processes;
  • internal policies and controls supporting accountability and operational integrity;
  • periodic review of governance and compliance arrangements.

Ethics and Integrity

Ernora Pay seeks to maintain ethical business conduct through:

  • internal standards for lawful, fair, and responsible conduct;
  • anti-bribery, anti-corruption, and financial crime compliance measures;
  • due diligence and risk-based review processes;
  • a culture of accountability and appropriate escalation.

Risk Management and Compliance

We maintain a compliance and risk management framework designed to support adherence to applicable legal and regulatory obligations, including obligations relating to AML, CTF, sanctions, privacy, and customer protection.

5. Stakeholder Engagement

Ernora Pay recognizes the value of engagement with customers, employees, service providers, and other stakeholders. We may use feedback, operational experience, and regulatory developments to improve services, controls, and business practices over time.

Our stakeholder engagement approach may include:

  • consideration of customer feedback in service improvements;
  • responsible engagement with regulators and applicable authorities;
  • working with third-party providers and partners that support appropriate standards of conduct and service;
  • reviewing opportunities for continuous improvement across operational and compliance areas.

6. Measurement and Continuous Improvement

Ernora Pay may monitor selected operational, compliance, service, and governance indicators as part of its broader effort to improve business performance and responsible operations.

We aim to support continuous improvement through:

  • periodic internal review of policies and practices;
  • assessment of operational and compliance performance;
  • staff training and awareness measures;
  • updates to controls, procedures, and systems where appropriate.

7. Future Development

As Ernora Pay’s business evolves, we may further develop our ESG-related practices, priorities, and reporting approach in a manner proportionate to the size, nature, and complexity of our operations.

8. Contact Information

If you have questions or feedback regarding Ernora Pay’s ESG and corporate social responsibility approach, please contact us at:

Ernora Pay
7404 King George Blvd., Suite 200
Surrey, Canada
MSB number: M23468645
Email: support@ernorapay.com

9. Statement Review

This ESG and Corporate Social Responsibility Statement may be reviewed and updated from time to time to reflect changes in business operations, legal requirements, and Ernora Pay’s ongoing development.