Terms of Service

What Pagar & Co. provides — a registered-office and business correspondence address in Singapore, with handling of mail and parcels received there — and, just as importantly, what it is not. It will make clear that the service is an address and mail-handling arrangement, and not the provision of legal, tax, accounting, corporate secretarial or nominee services, and that taking the address does not create any agency, partnership or professional relationship beyond what these terms set out.

Who may use the service, and the sequence by which an account becomes active. The address may only be used once each step is complete, in order:

• Application — you submit your details and the required due-diligence information.
• Approval — we complete due-diligence and screening, and a person decides whether to accept the application.
• Payment — the applicable fees are paid.
• Activation — the account is activated and the address may then be used, for the permitted purposes only.

It will also cover the accuracy of the information you provide, your duty to keep it up to date, and our ability to decline an application.

How the address may and may not be used. Permitted use covers using the address as a registered office and business correspondence address for the entity or entities named in your account. Prohibited use will include holding the address out for entities not on the account, using it for unlawful activity, and any use that would breach the conditions on which the premises are held or that would mislead as to physical occupation.

Pagar & Co. receives letters, signed-for and registered mail, and small parcels addressed to you at the address. Items are taken in by hand, recorded on receipt with the date, the time and the carrier, photographed on the outside, and notified to you by email and in your client account. Nothing is opened unless you have asked for it to be opened.

What counts as a small parcel

An item is accepted if it has length, width and height adding up to no more than 90 cm, with no single side longer than 40 cm, and a weight of 10 kg or less. The three sides are added together, in the way a courier measures a parcel, so the shape of an item does not matter — only the total, and the length of its longest single side. This is a correspondence and small-parcel address. It is not a warehouse, a receiving bay, a store room or a fulfilment address, and it is not set up to hold goods.

Items that will be refused

Pagar & Co. may refuse any of the following at the point of delivery, and the carrier will be asked to return the item to its sender. You will be told that this has happened. Refusal is at the door and before the item is signed for, because an item taken into custody must then be stored, notified and disposed of.

• Anything over the size or weight limit above.
• Bulk or repeat deliveries, stock, and anything addressed for onward fulfilment.
• Perishable goods, food and anything requiring refrigeration.
• Cash, bearer instruments and items declared as valuables.
• Dangerous, hazardous or restricted goods, and anything whose carriage is controlled.
• Items requiring payment on delivery, customs duty or any charge at the door.

Refusal on these grounds is not a failure of the service and does not give rise to a refund or to liability for the returned item. If you expect something that may fall outside these limits, ask first.

How documents from a court, a regulator or a government body that are served at the address are handled and escalated. Because these documents can carry strict deadlines and serious consequences if missed, this is treated as a high-importance part of the service: it will set out how such items are identified, the priority basis on which you are notified, the escalation route, and your responsibility to keep your contact details current and to act on any notification promptly.

This does not make Pagar & Co. your agent for accepting service, and nothing here is legal advice about how service on a registered office operates.

The fees for the service, how and when they are payable, the term and how it renews, what happens on non-payment, and the treatment of taxes such as GST. No fees, prices or charges are stated on this site until they are confirmed.

When either side may suspend or end the service, the notice that applies, and what happens on termination — including the date from which the address may no longer be used, your obligation to update the registered office of any affected entity, and how mail is dealt with after termination.

Items are held for you for a limited period. The premises are not a storage facility, and holding post indefinitely is neither practical nor consistent with our obligation not to keep personal data longer than the purpose requires.

How long items are held

• Letters and ordinary post: 30 days from the date the item is received.
• Small parcels: 7 days from the date you are notified, because these take shelf space the premises do not have.
• Registered, court and government mail: 30 days from the date the item is received.

How you will be told

You are notified when an item arrives, and reminded before the period ends. The final reminder states the actual date on which the item will be dealt with. Notices go to the email address and client account on your record, which it is your responsibility to keep current — a notice sent to an address you no longer read is still a notice given.

What happens at the end of the period

Registered mail, and anything from a court, a regulator or a government body, is returned unopened to its sender. It is never destroyed. These documents can carry deadlines with serious consequences, and the sender is better placed than we are to know what to do next.

Other uncollected items are securely destroyed, unopened, by cross-cut shredding or an equivalent method. The date, the time and the person who carried it out are recorded. Items that cannot be matched to a client, or that are addressed to a company that has never held an account, are marked not known at this address and returned to sender rather than destroyed.

Pagar & Co. will not withhold your mail because a fee is outstanding. Any sum owed is pursued separately.

The extent of, and limits on, our liability in connection with the service — including for delayed, lost, damaged or mishandled mail — and the matters for which liability is not excluded or limited to the extent the law does not allow. No monetary cap or limit is stated until it is settled.

When you agree to indemnify us — for example for loss arising from misuse of the address, from a breach of these terms, or from unlawful use — and the scope and limits of that indemnity.

These terms will be governed by the laws of Singapore, and this section will state the courts or forum in which disputes are to be resolved.

How these terms may be changed, how a revised version will be made available and notified, and how the “last updated” date should be read. Continued use after a change takes effect will be addressed here.

How to reach us about these terms or the service. General enquiries can be sent to hello@humanledai.sg. Questions about personal data should go to our Data Protection Officer, whose contact will be published in the privacy notice once confirmed.