RCS Business Messaging Terms of Service

Effective date: May 20, 2026

Applies to all RCS Business Messaging (RBM) chatbot agents operated by Avant Tech Limited ("Avant One", "we", "us") and delivered via Dotgo, Google RCS, and participating mobile carriers.

1. About This Service

Avant One operates RCS Business Messaging chatbot agents that allow our customers (banks, lenders, insurers, healthcare providers, employers, and other regulated organisations) to send and receive transactional, service, and conversational messages with you over the RCS protocol. Each agent is independently verified with Google and the relevant mobile carrier and identifies itself by a verified sender name, logo, and badge inside your messaging app.

2. Acceptance

By starting, replying to, or otherwise interacting with an Avant One RBM chatbot, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not interact with the chatbot and use the opt-out instructions in Section 7.

3. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) and be the authorised user of the mobile number receiving the messages. RBM agents are intended for users on RCS-capable devices and networks; message availability depends on your device, carrier, and Google account configuration.

4. Message Types

Depending on the sending organisation, Avant One RBM agents may send:

Transactional notifications (e.g. payment reminders, verification status, appointment confirmations)
Service and support replies to conversations you have initiated
One-time passwords and authentication codes
Promotional messages, only where you have given prior opt-in consent and where permitted by local law
Automated chatbot responses generated by AI, clearly labelled as automated where applicable

5. Fees

Avant One does not charge end users for receiving or sending RBM messages. Standard mobile data charges from your carrier may apply depending on your plan; RBM messages are delivered over data, not SMS. If your device or network is not RCS-capable, messages may fall back to SMS and standard SMS rates from your carrier may then apply.

6. Data Collection and Use

When you interact with an Avant One RBM agent, we and the sending organisation may collect and process:

Your mobile number and RCS device capabilities reported by Google
Message content, suggested-reply selections, and timestamps
Delivery, read, and "is typing" receipts where supported
Approximate location only when you explicitly share it through a location-share action; we never collect background location
Files and media you choose to send to the chatbot

Data is processed under the lawful bases set out in our Privacy Policy, retained only for as long as needed to provide the service and meet legal/regulatory obligations, and never sold to third parties or used for advertising profiling. Data may be processed in Nigeria, the European Economic Area, and the United States with appropriate safeguards.

7. Opt-Out and Stopping Messages

You can stop receiving messages from any Avant One RBM agent at any time, free of charge, using any of the following methods:

Reply STOP, UNSUBSCRIBE, CANCEL, END, or QUIT in the conversation
Tap the agent's verified info panel and select Block & report spam
Email privacy@avantone.io with the mobile number and agent name

We will honour opt-out requests immediately for promotional traffic. Transactional messages that you have a legal or contractual right to receive (for example, regulatory notices from your bank) may continue until you also terminate your underlying relationship with the sending organisation. Reply HELP at any time for support.

8. Acceptable Use

You agree not to use the chatbot to:

Impersonate any person or misrepresent your identity
Upload unlawful, infringing, harmful, or malicious content
Attempt to probe, scan, reverse-engineer, or disrupt the service
Send automated traffic, spam, or bulk requests without authorisation

9. Automated Responses and AI

Many chatbot replies are generated automatically, including by AI systems. Automated responses are provided for informational and servicing convenience and may contain errors. They are not a substitute for professional advice (financial, legal, medical, or otherwise). Where a decision has legal or similarly significant effect, you can request human review by replying AGENT.

10. Security and Verification

All Avant One RBM agents are verified senders and display a verified badge inside your messaging app. We will never ask for your full password, full card PAN, full CVV, or full PIN inside an RBM chat. If a message claiming to be from us asks for any of these, treat it as fraudulent and report it via Block & report spam and to security@avantone.io.

11. Third Parties

RBM delivery relies on Google LLC (Jibe / RCS Business Messaging), Dotgo (our RBM aggregator), and your mobile network operator. Your use of RCS is additionally subject to Google's Terms of Service and Privacy Policy, and to your carrier's terms.

12. Disclaimers and Liability

The chatbot is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Avant Tech disclaims all implied warranties and is not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the RBM service. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

13. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified through the chatbot or by updating the effective date above. Continued interaction with the chatbot after a change constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to its conflict-of-laws rules. Disputes shall be submitted to the exclusive jurisdiction of the courts of Lagos, Nigeria, subject to any mandatory consumer-protection rights you have in your country of residence.

15. Contact

Avant Tech Limited — Operator of Avant One RCS Business Messaging agents