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Re:Ask HN: Play Store removed our app, but allows WhatsApp by hluska on Saturday April 11, 2020 @10:10PM (#22845594)
Here’s how OP describes their collection process:

“We first contact the user if they don't pay despite calls/emails/push notification/sms for 45 days. Then we warn them for 15 days that their contacts will be asked to remind them of the bill, as per the terms. Finally we contact the contacts.“

This company specifically contacts the contacts to remind the delinquent person of their bill. I don’t think that warning is very good in light of this practice. Do you?

Re:Ask HN: Play Store removed our app, but allows WhatsApp by true_religion on Sunday April 12, 2020 @11:30AM (#22848838)
Considering that, I would concede that they could have spent a sentence or two more detailing what they intend to do, instead of burying it in a contract.