Frequently Asked Questions
Everything You Need to Know
Here's what you need to do as a foreign company to incorporate a subsidiary in Singapore:
1. Engage a Registered Filing Agent: Under Singapore law, a foreign company cannot self-register a subsidiary. You must engage a licensed corporate secretarial firm or law firm in Singapore, such as Mezzanine Enterprise, to handle the incorporation on your behalf. This firm will guide you through the entire process and ensure compliance with all regulations.
2. Fulfil the Structural Requirements: Before starting the registration, you must have the following in place:
Company Name: The proposed name for your subsidiary must be approved by ACRA (Accounting and Corporate Regulatory Authority). Your service provider will check for its availability and reserve it.
Shareholder(s): The subsidiary must have at least one shareholder. The foreign parent company can be the sole shareholder (100% ownership).
At least one Resident Director: This is a mandatory requirement. The subsidiary must appoint at least one director who is ordinarily resident in Singapore (a Singapore Citizen, Permanent Resident, or an EntrePass/Employment Pass holder). If your company does not have a local individual to appoint, you can use a nominee director service offered by your corporate service provider.
A qualified Company Secretary: A Singapore-resident company secretary must be appointed within six months of incorporation.
Registered Office Address: A physical address in Singapore is required to act as the registered office.
3. Prepare the Necessary Documents: Your corporate service provider will require specific documents from the foreign parent company, which must be translated into English if they are not already. These typically include:
A copy of the parent company's Certificate of Incorporation.
The parent company's business profile or an extract from the foreign company registry.
A Board Resolution from the parent company approving the incorporation of the Singapore subsidiary and appointing its initial officers.
For individual directors and shareholders: A copy of their passport and proof of residential address.
4. Registration with ACRA: Once all documents are in order and the requirements are met, your service provider will submit the incorporation application online via ACRA's BizFile+ portal.
5. Successful Incorporation: Provided all information is correct and complete, ACRA can approve the incorporation in as little as a few hours to a day. Upon approval, ACRA will issue an official email notification of incorporation, which serves as the digital Certificate of Incorporation. Your service provider will also retrieve the company's Business Profile, which contains all key details of the newly formed subsidiary.
6. Post-Incorporation: After the subsidiary is incorporated, you need to open a corporate bank account in Singapore, register for any necessary licenses, and ensure ongoing compliance with ACRA and IRAS (Inland Revenue Authority of Singapore).
Mezzanine Enterprise can help you incorporate your subsidiary presence in Singapore. Talk to us to find out how:
A shareholders’ agreement is a private contract signed by all shareholders of a company, detailing how it will be operated and how shareholders will interact with each other and the company.
The primary purpose of a shareholders' agreement is to anticipate potential future conflicts and establish a clear, legally binding framework for resolving them.
This is vital for the following reasons:
Defining Roles and Responsibilities: The agreement clarifies the roles, responsibilities, and expectations of each founder and investor, including their involvement in the management of the company. This can prevent disputes about who is responsible for what.
Protecting Minority Shareholders: It can include provisions that protect the interests of minority shareholders, who may not have significant voting power. For example, it might require a super-majority vote for major decisions, giving minority investors a voice.
Governing Management and Control: It outlines the composition of the Board of Directors, voting rights, and the process for making key business decisions. This ensures there is a clear governance structure in place.
Restricting Share Transfers: This is one of the most critical functions for a startup. The agreement typically includes the following clauses:
Right of First Refusal (ROFR): If a shareholder wishes to sell their shares, they must first offer them to the existing shareholders.
Tag-Along Rights: Protects minority shareholders by allowing them to "tag along" and sell their shares on the same terms if a majority shareholder sells their stake.
Drag-Along Rights: Protects majority shareholders by allowing them to "drag" minority shareholders into a sale of the entire company, which is often a requirement for an acquisition.
Providing a Dispute Resolution Mechanism: It establishes a clear process for resolving disputes between shareholders, such as mediation or arbitration, which can be faster and less costly than litigation.
Outlining an Exit Strategy: The agreement can specify what happens if a founder wants to leave, becomes disabled, or passes away. This can include provisions for buying out the departing shareholder's shares (a buy-sell agreement), ensuring a smooth transition and business continuity.
As the shareholders’ agreement is a private and confidential document, founders and investors can agree on how to handle sensitive commercial matters without making them public. Without this agreement, startups are often left to rely on the generic provisions of the Companies Act, which may not adequately address the unique dynamics and challenges of a growing tech business.
The Private Limited Company (Pte. Ltd.) is the best business structure for a tech startup in Singapore. Here’s a detailed look at why the Pte. Ltd. stands out:
Separate Legal Entity: A Pte. Ltd. is a legal entity separate from its owners (shareholders) and managers (directors). This means your company can own assets, enter into contracts, sue, and be sued in its own name. For a tech startup, this allows it to own critical intellectual property (IP) like patents and source code, insulating these assets from the personal affairs of the founders.
Limited Liability Protection: As your company is a separate entity, shareholders are not personally liable for its debts and losses beyond the amount of their share capital. This means if the startup fails, the founders’ personal assets (e.g., their homes, savings) are protected from business creditors. This encourages risk-taking and innovation, which are hallmarks of the tech industry.
Ease of Raising Capital: As the Pte. Ltd. structure is familiar and trusted by venture capitalists (VCs) and angel investors in Singapore and globally, issuing shares to new investors becomes a straightforward process of allotting new equity. Different classes of shares and employee stock option plans (ESOPs) can also be easily implemented.
Enhanced Credibility and Professional Image: Operating as a Pte. Ltd. signals stability and professionalism to potential clients, partners, and employees.
Tax Benefits and Incentives: A Singapore-incorporated Pte. Ltd. is treated as a Singapore tax resident and can take full advantage of the country's attractive tax regime. This includes a low corporate tax rate of 17%, and more importantly for startups, the Start-up Tax Exemption (SUTE) scheme, which provides significant tax breaks on profits for the first three years of operation.
Perpetual Succession: The company's existence is not affected by the resignation, death, or change in ownership of its shareholders or directors. This ensures business continuity, which is vital for long-term projects and partnerships.
Find out how Mezzanine Enterprise can help you incorporate your company as a Pte. Ltd.:
The most highly recommended company structure for a startup is the Private Limited Company (Pte. Ltd.), due to its scalability and liability protection. Here is a breakdown of the setup process:
1. Choose and Reserve Your Company Name: The first step is to choose a unique name for your company. This name must not be identical to an existing business name and should not be obscene or offensive. You must obtain approval and reserve your proposed name with ACRA through the BizFile+ portal. The name reservation is typically valid for 120 days.
2. Appoint Company Officers: A Singapore Pte. Ltd. has specific personnel requirements:
At least one Resident Director: This director must be a Singapore Citizen, Permanent Resident, or an EntrePass/Employment Pass holder. They must be at least 18 years old and not be an undischarged bankrupt or convicted of any malpractice.
At least one Shareholder: A shareholder can be an individual or a corporate body, local or foreign. There is a minimum of one and a maximum of 50 shareholders for a Pte. Ltd.
A qualified Company Secretary: You must appoint a Singapore-resident company secretary within 6 months of incorporation. The sole director cannot also act as the company secretary.
3. Establish a Registered Address: Every company must have a registered physical office address (not a P.O. Box) where official correspondence can be sent in Singapore. It must be open and accessible to the public during normal office hours.
Determine Share Capital: You need to decide on the initial share capital. The minimum paid-up capital is S$1, which makes it very accessible for startups to get started.
Prepare Incorporation Documents: This includes the company's Constitution (formerly known as the Memorandum and Articles of Association), which outlines the rules governing the company's operations.
Incorporate the Company with ACRA: With all the information and documents prepared, your corporate service provider can apply online with ACRA. The incorporation process is typically very fast and can be completed within a day, provided all documents are in order.
After incorporation, your next steps include:
Opening a corporate bank account
Obtaining any necessary business licenses or permits from the relevant authorities
Registering for Goods and Services Tax (GST) if your expected annual turnover exceeds S$1 million
Mezzanine Enterprise stands ready to guide you seamlessly through each of these critical stages. Talk to us to find out more:
Shareholders: Individuals or corporate entities that own shares in the company. Their ownership stake gives them certain rights, which are primarily exercised at general meetings. These rights include:
Voting Rights
Right to Dividends
Right to Information
Right to Capital Repayment
Directors: Appointed by shareholders to manage the day-to-day business and affairs of the company. As stewards, they have significant legal duties, primarily owed to the company itself. These duties include:
Fiduciary Duties
Duty of Skill, Care, and Diligence
The liability of a shareholder in a Private Limited company is limited to the amount unpaid on their shares, meaning their personal assets are protected from business debts.
Singapore law requires a company to have at least one director who is ordinarily resident in Singapore. Directors can be classified as executive (involved in the daily management, e.g., a CEO) or non-executive (providing independent oversight and advice).
While shareholders own the company, it is the board of directors that steers its strategic direction and makes operational decisions. Navigating the relationship between these two roles, especially when interests diverge, is a key aspect of corporate governance managed by your company secretary.
Find out more by talking to us:
According to the Singapore Companies Act, every company incorporated in Singapore must have at least one director who is "ordinarily resident". This refers to an individual who resides in Singapore as their usual place of residence. A person qualifies as a resident director if they are one of the following:
A Singapore Citizen
A Singapore Permanent Resident (PR)
A holder of a valid EntrePass or Employment Pass (EP)
It is important to note that for work pass holders, an In-Principle Approval (IPA) is not sufficient to qualify; the pass must be officially issued by the Ministry of Manpower (MOM).
This individual must be legally entitled to work and reside in Singapore, making them accessible to and accountable under Singaporean law. This rule ensures there is always a responsible individual within the jurisdiction who is accountable for the company's compliance with its statutory obligations.
In addition to the residency requirement for at least one director, all directors of a Singapore company (both resident and foreign) must meet the following criteria:
They must be a natural person (a corporation cannot be a director).
They must be at least 18 years of age and full legal capacity.
They must not be disqualified from acting as a director. Disqualifying factors include being an undischarged bankrupt or being convicted of offences involving fraud or dishonesty.
Should you be a foreign founder or company without a local partner or employee who can fulfil the resident director requirement, you may consider appointing a nominee director.
Mezzanine Enterprise’s corporate secretarial services can provide you with a qualified local resident to act as the nominee director, enabling you to incorporate your business in Singapore almost immediately. Find out more by talking to us:
Changing your company's registered office address is governed by specific rules and timelines under the Singapore Companies Act. Here’s how to do so:
1. Obtain Board Approval: Get your change of address formally approved internally by the Board of Directors. The board must pass a directors' resolution to approve the new registered office address and specify the effective date of the change. This resolution should then be properly documented and recorded in the company's minute book as part of your company’s official records.
2. Notify ACRA Within the Required Timeline: Notify the Accounting and Corporate Regulatory Authority (ACRA) of the change of address within 14 days via the BizFile+ portal. Your company's director or the appointed Company Secretary can log into the portal to submit the "Change in Company Information - Change in Registered Office Address" transaction. Your new address is only legally effective once it has been successfully updated in ACRA's records.
3. Complete Essential Post-Change Actions: Once ACRA has confirmed the change, your company must take the following follow-up actions to ensure consistency and continued compliance:
Update Company Name Display: The company's full name must be prominently displayed at the new registered office address.
Update All Official Materials: The new address must be updated on all company stationery and official documents, including letterheads, invoices, purchase orders, business cards, and official websites.
Inform All Stakeholders: It is crucial to inform all relevant third parties of the change to ensure seamless communication and business operations. This list includes:
Banks: To update account details and prevent correspondence from going to the old address.
IRAS: While ACRA’s data syncs with IRAS, it is good practice to confirm the update has been reflected.
Customers and suppliers: To ensure invoices and deliveries are correctly addressed.
Insurance providers, lenders, and other financial institutions.
Any other government agencies where the company holds licenses or permits.
Given the strict deadline and the number of follow-up tasks, many companies entrust this entire process to their corporate secretarial firm. Mezzanine Enterprise stands ready with our corporate secretarial services, which include changes in your company’s address as necessary. Talk to us to find out more:
A registered office address is the official, legal address of a company incorporated in Singapore. It is a fundamental statutory requirement under the Singapore Companies Act, serving as the central point for all formal communication directed to the company.
Placed on the public record and listed in the official business directory maintained by the Accounting and Corporate Regulatory Authority (ACRA), this address is where all official correspondence from government bodies (eg: ACRA, the Inland Revenue Authority of Singapore (IRAS), and the courts) is sent.
There are specific criteria that a registered office address must meet:
1. It must be a physical address in Singapore: A Post Office (P.O.) Box number is not acceptable as it does not represent a physical location where documents can be served.
2. It must be accessible to the public: The address must be open and accessible to the public for a minimum of three hours during ordinary business hours on each business day. This is to allow for the physical delivery of legal notices and documents.
3. Your company’s name must be clearly displayed: The full, registered name of your company must be visibly displayed at the registered office location.
Companies in Singapore have a few options when choosing a registered office address:
Commercial Office Space: A conventional leased or owned office space.
Home Office Scheme: A director can use their residential address, provided they have obtained approval under the Home Office Scheme from the Housing & Development Board (HDB) for HDB properties, or from the Urban Redevelopment Authority (URA) for private properties. This scheme has specific conditions and does not permit the hiring of foreign employees.
Virtual Office Address: This is an extremely popular and cost-effective option, particularly for startups, foreign-owned companies, and home-based businesses.
A corporate service provider offers its commercial address as the company's registered office. The provider handles the receiving of all mail, scans it, and forwards it to the business owners electronically.
This ensures no important correspondence is missed and provides a professional corporate image without the cost of a physical office lease.
As part of Mezzanine Enterprise’s corporate secretarial services, we provide you with a registered office address that guarantees compliance and efficient handling of all official mail. Find out more by talking to us:
There are two broad ways to close a company in Singapore. Here’s how:
1. Striking off: This is the simpler, faster, and more cost-effective method, suitable for small companies that have ceased all business activities and have no outstanding debts. These are the key points to note:
Apply to ACRA to confirm you are not involved in any legal proceedings and have no assets or liabilities.
The process typically takes about four to six months.
ACRA will publish your company's name in the Government Gazette before officially striking it from the register.
2. Members' voluntary liquidation: This is a more formal process for larger companies or those with complex structures. These are the key points to note:
A liquidator is appointed to wind up your company's affairs, including:
Selling off assets
Settling all debts with creditors
Distributing any remaining surplus to your shareholders
This process provides greater finality and assurance to creditors and stakeholders.
For both methods, your company must first settle all outstanding tax liabilities with the Inland Revenue Authority of Singapore (IRAS) and obtain tax clearance. It's also necessary to close all company bank accounts and cancel any permits or licenses.
Mezzanine Enterprise can help facilitate a smooth and frictionless company closure. Talk to us to find out how:
Striking off is the most common method for closing a dormant private limited company in Singapore. Here’s what you need to do:
1. Cease all business operations.
Alternatively, demonstrate you have not commenced any business activities since incorporation.
You must have no outstanding debts to any government agency (such as IRAS or the CPF Board) or any creditors.
Your company must not be involved in any ongoing or pending legal proceedings.
Close all your bank accounts, and no assets must be held in your company’s name.
2. File the "Application for Striking Off" via the BizFile+ portal.
Ensure your application is accompanied by confirmation from the majority of your shareholders.
3. ACRA sends you a striking-off notice.
If there are no objections within 60 days, ACRA will publish your company’s name in the Government Gazette. This is known as the "First Gazette Notification."
If no further objections are received within another 60 days, ACRA will publish the "Final Gazette Notification" and strike your company from the register.
The entire process typically takes at least four months to complete.
Branch office: A branch office is an extension of a foreign parent company. It does not stand as an independent legal entity.
Legal Status: A branch office is not independent, legally serving as the same entity as its foreign parent company.
Liability: The foreign parent company is fully liable for all debts and liabilities incurred by its Singapore branch office.
Name: The branch office must have the same name as its parent company.
Required Personnel: A branch office must appoint at least two resident agents (also known as authorised representatives) to act on its behalf in Singapore.
Compliance: A branch office must file its annual declaration, alongside a copy of the audited financial statements of the foreign parent company. This means the parent company's global financial information becomes public record in Singapore, which can be a privacy concern.
Tax Implications: A branch office is generally considered a non-resident for tax purposes and is taxed on the income derived from its operations in Singapore. It is generally not eligible for the tax incentives and exemptions available to local resident companies.
Subsidiary Company: A subsidiary is a Private Limited Company (Pte. Ltd.) incorporated in Singapore, but owned by a foreign parent company.
Legal Status: A subsidiary is a separate legal entity from its foreign parent. It is treated as a local company in Singapore. It can own property, enter into contracts, and sue or be sued in its own name.
Liability: This is the most critical distinction. As the subsidiary is a separate legal entity, its liabilities and debts are its own. The foreign parent company's assets are protected from the debts and liabilities of the subsidiary. This limited liability is a major advantage.
Name: The subsidiary can have a different name from its parent company.
Required Personnel: The subsidiary must appoint at least one resident director, a company secretary, and have at least one shareholder (the parent company).
Compliance: The subsidiary must maintain its own set of accounts and file its own annual returns and tax returns with ACRA and IRAS in Singapore. It is not required to file its parent company's financial statements.
Tax Implications: As a Singapore tax resident, a subsidiary is eligible for all local tax incentives and exemptions, including the attractive Start-up Tax Exemption (SUTE) scheme. It is taxed on its Singapore-sourced income at the corporate rate of 17%.
For most businesses planning a long-term and substantial presence in Singapore, the subsidiary company is the preferred structure. The limited liability protection, enhanced credibility, and access to tax incentives provide a much more robust and advantageous framework for growth.
A branch office might be suitable for specific industries like banking or insurance where the brand name and financial backing of the parent company are paramount, but for most commercial enterprises, the subsidiary is the better strategic choice.
A foreign company seeking to establish a presence in Singapore has several options, each designed for different business objectives and levels of commitment. The three primary ways to register a foreign company in Singapore are as follows:
1. Representative Office (RO): A Representative Office is a basic structure that is ideal for foreign companies wishing to explore the market before making a larger investment.
Permitted Activities: An RO is strictly a liaison office. It can conduct market research, feasibility studies, and build business relationships. It cannot engage in any commercial, revenue-generating activities. This means it cannot sign contracts, issue invoices, open letters of credit, or provide services for a fee.
Legal Status: An RO has no legal personality. It is merely an administrative arrangement.
Registration Body: An RO is registered with Enterprise Singapore.
Duration: An RO is considered a temporary setup and can typically operate for a maximum of three years. After this period, the foreign company is expected to either upgrade to a branch office or subsidiary, or cease its operations.
Personnel: It must appoint a Chief Representative from the parent company.
2. Branch Office: A branch office is a more formal setup that enables a foreign company to conduct business in Singapore.
Permitted Activities: A branch office can engage in full commercial activities and generate revenue in Singapore.
Legal Status: A branch office is an extension of the foreign parent company and not a separate legal entity. This means the parent company is fully liable for the branch's debts and obligations.
Registration Body: A branch office is registered with the Accounting and Corporate Regulatory Authority (ACRA).
Requirements: A branch office must have the same name as its parent company and appoint at least two resident agents. It also has ongoing compliance requirements, including filing the parent company's audited accounts annually, which makes them public.
3. Subsidiary Company: A subsidiary company is the most common and strategically sound option for foreign companies seeking a permanent and robust presence.
Permitted Activities: As a fully-fledged Singapore company, a subsidiary company can conduct any legal business activity.
Legal Status: A subsidiary company is a separate legal entity (a Private Limited Company) from the foreign parent, even if it is 100% owned by it. This provides limited liability, protecting the parent company's assets.
Registration Body: A subsidiary company is incorporated with ACRA.
Requirements: A subsidiary company must have at least one resident director, a company secretary, and a local registered address. It enjoys the benefits of being a Singapore tax resident, including access to tax incentives.
Which to Choose?
Choose a Representative Office if you are only testing the waters and conducting market research.
Choose a Branch Office in specific circumstances where the parent company's identity and creditworthiness are essential (e.g., in finance).
Choose a Subsidiary Company in almost all other cases. It offers the best combination of liability protection, operational flexibility, and tax advantages, making it the superior choice for long-term growth and investment in the Singapore market.
Engage Mezzanine Enterprise’s corporate secretarial services to help you evaluate these options and manage the registration process efficiently and correctly. Talk to us to find out more:
In Singapore, there are a few established visa pathways to allow foreign founders and professionals to relocate to Singapore to start and run a business. The two most relevant work passes for foreign entrepreneurs are the EntrePass and the Employment Pass (EP).
1. EntrePass (Entrepreneur Pass): The EntrePass is specifically designed for foreign entrepreneurs who want to start an innovative, venture-backed, or technology-focused business in Singapore. It is not suitable for all types of businesses, with lifestyle businesses like cafes, consultancies, or trading companies generally not eligible.
Eligibility Criteria: To be eligible for an EntrePass, you must meet at least one of the following innovative criteria:
Entrepreneur: Your company has received at least SGD 100,000 in funding from a government-recognised VC or business angel, or you have a strong track record of successfully building and selling businesses.
Innovator: You hold an intellectual property (IP) registered with a national IP institution, or you have an ongoing research collaboration with a recognised research institution in Singapore.
Investor: You have a strong track record of investing in and driving the growth of highly scalable businesses.
Application Process: Apply for an EntrePass before incorporating your company or within six months of incorporation. The application requires a comprehensive business plan detailing the innovation, business model, and financial projections. The application is assessed jointly by the Ministry of Manpower (MOM) and Enterprise Singapore.
Renewal: EntrePass renewal is contingent on meeting specific business milestones, such as total annual business spending and the creation of local jobs.
2. Employment Pass (EP): The Employment Pass is the main work visa for foreign professionals, managers, and executives. A foreign founder can also use this route by incorporating a company in Singapore and then hiring themselves as a director or executive.
Eligibility Criteria: The EP is assessed based on the individual applicant's qualifications and the hiring company's standing. Key factors include:
Fixed Monthly Salary: The applicant must be offered a salary that is commensurate with their age, qualifications, and experience, and meets the prevailing market rate. The minimum qualifying salary is regularly updated by MOM.
Qualifications: The applicant should possess acceptable qualifications, usually a good university degree, professional qualifications, or specialised skills.
Work Experience: A strong track record of relevant work experience is essential.
Application Process for Founders: For a founder applying for an EP under their own newly incorporated company, the company must demonstrate credibility. This means having a reasonable amount of paid-up capital, a solid business plan, and ideally, a physical office and secured clients or partnerships. The application is submitted by the company (as the employer) to MOM. MOM provides a Self-Assessment Tool (SAT) online to help applicants gauge their eligibility.
Which Pass to Choose?
Choose the EntrePass if your business is genuinely innovative and you meet the specific criteria. It signals strong government endorsement of your venture.
Choose the Employment Pass if you have strong personal qualifications and can incorporate a company with sufficient capital. This route is often more straightforward for experienced professionals whose business may not fit the narrow "innovative" criteria of the EntrePass.
Navigating the visa application process requires careful preparation. Mezzanine Enterprise’s HR services cover visa applications, ensuring you apply for the most suitable pass with strong and complete applications. Talk to us to find out more:
The role of a resident agent (also known as an authorised representative) is a specific statutory requirement for a branch office of a foreign company registered in Singapore.
Under the Singapore Companies Act, every foreign company that establishes a branch office in Singapore must appoint at least two resident agents. These agents serve as the official local points of contact and ensure the branch office complies with its legal obligations.
Key Roles and Responsibilities of a Resident Agent:
1. Official point of contact: The resident agent is responsible for all dealings between the branch office and Singapore's government authorities, most notably the Accounting and Corporate Regulatory Authority (ACRA). Their name and address are on public record.
2. Accepting service of process and notices: One of the most important functions of a resident agent is to receive any official notices, legal documents, or service of process on behalf of the branch office. This ensures that legal and government communications can always be successfully delivered to the company.
3. Ensuring Compliance with the Companies Act: The resident agent ensures the branch office adheres to all its statutory obligations under the Companies Act. This includes:
Filing of the branch's annual declaration with ACRA.
Filing of the foreign parent company's audited financial statements.
Notifying ACRA of any changes to the branch's particulars (e.g., change of address) or the parent company's details (e.g., change of name or directors).
4. Personal Liability for Penalties: Resident agents are personally liable for any penalties imposed on the branch office if it fails to comply with the requirements of the Companies Act. This personal liability underscores the seriousness of the role and the importance of appointing responsible and diligent individuals or a professional service provider.
A resident agent must be a natural person who is "ordinarily resident" in Singapore. This means they must be a Singapore Citizen, a Permanent Resident, or a holder of a valid work pass like an Employment Pass.
As part of Mezzanine Enterprise’s corporate secretarial services, we can act as your company’s resident agents. Our experienced professionals are well-positioned to ensure your company is compliant with all relevant laws to provide you with peace of mind. Talk to us to find out more: