Terms & Conditions

About these terms

These terms apply when you sign up to Swift. Together with our privacy policy, they form the agreement between you and Monaco Solicitors Ltd.

Monaco Swift is a service of Monaco Solicitors Ltd, a law firm authorised and regulated by the Solicitors Regulation Authority (SRA ID 621671).

How Monaco Swift works

Monaco Swift uses legal AI to explain where you stand and to draft your legal letters and emails to your employer.

A lawyer from Monaco Solicitors checks every legal letter and email before it is sent.

If you are offered a settlement agreement, a solicitor from Monaco Solicitors can advise you on it and sign it off.

Monaco Swift's legal AI leads your case, so you will not have a named lawyer handling it day to day, as you would with Monaco Solicitors' full service.

You agree to give Monaco Swift complete and accurate information, and to read carefully every letter drafted by Monaco Swift, before it is sent.

How to get the best out of Monaco Swift

Give the key facts of your case clearly, without too much detail. The clearer the facts, the better the AI understands them.

If your chat goes on for weeks or months, the AI may start to lose track of older information, just as a person might. In those circumstances, ask it to remember anything particularly important.

Only upload the documents your case needs. If in doubt, leave it out.

Sending letters to your employer

Letters to your employer have much more impact when they come from Swift. We give you a Monaco Swift email address to send them from, which you share with us while you use Swift.

You approve every letter before Swift sends it.

Fees

Monaco Swift is free to start. If Swift helps you get a settlement, you pay a success fee of X% (including VAT) of the money you receive, on a no win, no fee basis. If you do not get any money, you pay nothing.

The success fee applies to any compensation, including pay in lieu of notice (pay instead of working your notice). It does not apply to holiday pay, which you keep in full, or to any legal fee your employer pays for advice on a settlement agreement.

If you already had an offer before you started using Monaco Swift, there is no fee on that offer.

The success fee applies to any money you receive in the same dispute until it is finally over. This includes a settlement agreement, an Acas settlement (a "COT3"), or a tribunal or court award. It applies whether the money comes before or after you stop using Monaco Swift, and whether or not you later instruct someone else.

Once a letter has gone to your employer, you cannot cancel Swift in order to avoid the success fee.

The fee is due within 7 days of you receiving the money.

You can ask us about our fees at any time. You also have the right to complain about your bill, and to ask the court to assess (check) it under Part III of the Solicitors Act 1974.

Settlement agreements

A settlement agreement is a legal contract in which you give up your right to make a claim and your employer pays you in return. The law says a lawyer must advise you on it before you sign and Monaco Solicitors can provide that service.

Your employer normally pays the legal fee for this advice, and if Monaco Solicitors provides the advice, we invoice your employer directly. If your employer does not pay, you remain responsible for that fee.

Message limits

If you do not send a letter within 7 days, you will be limited to 10 messages a day and about 30 pages of file uploads. The daily allowance resets each day. Once you send a letter, these limits are lifted.

Not going on the court / tribunal record

Neither Monaco Swift nor Monaco Solicitors go on the court or tribunal record. If your case goes to an employment tribunal or court, you represent yourself.

Monaco Swift helps with letters and documents in your negotiation with the other side, but does not write to courts or tribunals for you, or submit claims for you.

Personal use only

Monaco Swift is for members of the public to use for their own cases only. It is not for companies, or for lawyers or advisers to use on behalf of their clients. Such use will be treated as a breach of these terms.

Fair use

Monaco Swift sends no more than 3 letters or emails a week to the other side. This is a maximum, not a target: fewer, well-timed letters usually work better.

Monaco Swift helps you stand up for yourself firmly and politely. It should not be used to send abusive or threatening messages, excessive quantities of letters, or anything you know to be untrue. If it is used that way, we may stop helping you.

Areas of law

Monaco Swift helps only with employment law cases in England and Wales.

Monaco Swift does not deal with claims in other jurisdictions, personal injury claims, or claims against the police.

Time limits

Time limits for legal claims are strict. It is your responsibility to make sure any claim is made before your time limit runs out, even if you are in the middle of a negotiation.

If you miss your time limit, your claim will normally not be allowed to go ahead, and you will get no money from it.

Employment tribunal time limits are short. From 1st October 2026 they are normally six months less one day from the act you are complaining about, but only three months less one day if the act happened before that date.

Before you can make an employment tribunal claim, you must first contact Acas (the Advisory, Conciliation and Arbitration Service, a free government body) for "early conciliation". This can extend your time limit.

Proof of identity

Before your first letter is sent, you need to give us proof of your identity and address. This is a legal requirement for law firms.

Cancelling and stopping

You can cancel your use of the Swift service within 14 days of signing up, without giving a reason, by telling us in your chat or by email. If you ask us to send a letter in that time and then cancel, the success fee rules above still apply to that dispute.

Monaco Swift may decline a case, or stop helping with one, where it considers it is fair to do so, for example if the information you give us is untrue. We will always try to act fairly.

Complaints

If you are unhappy with Monaco Swift, please tell us by email at [email protected] or in your chat. Our Complaints page explains how we deal with complaints and what you can do if you are still unhappy.

Regulation

Monaco Swift is a service of Monaco Solicitors Ltd, which is authorised and regulated by the Solicitors Regulation Authority (SRA ID 621671). You can check this on the SRA website. \

Monaco Solicitors has professional indemnity insurance. Insurer details are available on request.

Confidentiality and your data

We keep what you tell us confidential and never sell or give your data to anyone else.

We use third-party software, such as Microsoft and Google, and AI tools to run Monaco Swift. The companies that provide them have their own confidentiality terms, and our AI providers say they do not use your data to train their models.

Our privacy policy explains how we use your information.

Feedback

We would love to hear what you think of Monaco Swift. Please email [email protected].

Reviews

Monaco Solicitors is rated 4.8 stars in over 1,000 reviews on Google, Reviews.io and other sites, and over 94% of them are 5 stars. You can read them on our Reviews page.