Licensed MSB Sign in Open Account
Open Account

Legal

Privacy Policy

Ernora Pay
MSB Registration Number: M23468645
Jurisdiction: Canada

At Ernora Pay (“Ernora”, “we”, “our”, or “us”), safeguarding your personal information is a core part of how we operate. This Privacy Policy describes the way we gather, use, disclose, and protect your information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Scope

This Privacy Policy covers all personal information that Ernora collects in connection with our money services, including through our website, mobile applications, and customer support channels.

2. Definitions

For the purposes of this Privacy Policy:

"Personal Information" refers to details about an identifiable individual, as defined under PIPEDA. This encompasses name, date of birth, contact details, financial information, identification documents, and transaction records.

"You" or "User" denotes any individual who uses or applies to use Ernora's products or services.

"Services" refers to the financial and money service business activities provided by Ernora, including but not limited to money remittance, foreign exchange, and account-related services.

"Cookies" are small data files placed on your device when you visit our website, used to retain user preferences and monitor website activity.

"Third-Party Service Providers" are external organizations that support our service delivery or regulatory compliance, such as identity verification providers, payment processors, or regulatory authorities.

"Consent" means a voluntary agreement to the collection, use, and disclosure of personal information for specified purposes.

3. Information We Collect

We may gather the following categories of personal information:

  • Identity Information – Full name, date of birth, address, nationality, government-issued identification.
  • Contact Information – Phone number, email address, and mailing address.
  • Financial Information – Bank account details, transaction records, payment history.
  • Verification Data – KYC documentation and other AML compliance data.
  • Technical Information – IP address, browser details, device information, and location (where permitted).

4. Collection Methods

Personal information is collected through the following means:

  • Account registration and onboarding.
  • Customer transactions and use of our services.
  • Communication with our support team.
  • Third-party verification and compliance providers.
  • Cookies and website usage analytics.

5. Purpose of Collection

We collect your information for the following purposes:

  • To confirm your identity and comply with AML/ATF legislation.
  • To deliver and enhance our services.
  • To process your transactions securely and efficiently.
  • To identify and prevent fraudulent or unauthorized activity.
  • To meet legal and regulatory obligations (e.g., FINTRAC reporting).
  • To send service-related communications.

Where you have given your consent, we may also use your information to send updates, promotional offers, or service announcements.

6. Consent

By accessing our services or providing personal information to us, you consent to its collection, use, and disclosure in accordance with this Privacy Policy. You may withdraw your consent at any time, subject to any legal or contractual obligations that may apply.

7. Disclosure of Personal Information

We may disclose your personal information to the following parties:

  • Regulatory bodies (e.g., FINTRAC, law enforcement agencies).
  • Third-party vendors and partners supporting our operations and compliance.
  • Professional advisors (e.g., legal, auditing, or compliance consultants).
  • Others where you have provided your consent or as permitted by applicable law.

We do not sell or rent your personal information to any third parties.

8. Data Security

Ernora employs a combination of physical, administrative, and technical safeguards to protect your personal information, including:

  • Data encryption and secure storage.
  • Secure access protocols and firewalls.
  • Access controls and role-based permissions.
  • Employee confidentiality agreements and ongoing training.

9. Data Retention

Your personal information is retained only for as long as necessary to satisfy legal, regulatory, and operational requirements — typically a minimum of five (5) years from the date of the last transaction, in accordance with FINTRAC regulations.

10. Your Rights

You have the right to:

  • Access the personal information we hold about you.
  • Request corrections to any inaccurate or incomplete data.
  • Withdraw your consent (where applicable).
  • File a complaint with the Office of the Privacy Commissioner of Canada.

To submit a request, please reach us using the contact details provided in Section 13.

11. Cookies and Analytics

Our website uses cookies to improve functionality, measure performance, and enhance the user experience. You can manage your cookie preferences through your browser settings. Please note that disabling cookies may impact certain website features.

12. External Links

Our website may include links to third-party websites. This Privacy Policy does not extend to those sites, and we recommend reviewing their privacy policies before sharing any personal information with them.

13. Contact Us

For any questions or concerns regarding this Privacy Policy or your personal data, please contact us at:
support@ernorapay.com

14. Updates to This Policy

We reserve the right to update this Privacy Policy periodically. Any changes will be posted on this page with a revised effective date. Your continued use of our services following any modifications constitutes your acceptance of the updated policy.