[heroic]

- We added a checkbox which reads out everything about how the contacts will be contacted, after Google first asked us. The user is required to check the checkbox before he can even get the permission dialog to give the permission.

- You are right. We are not doing something out the jurisdiction. The contacts notified are the ones who have agreed to be sent "promotional" messages. So we don't spam these people. We are also working on something to make the loans a "group" loan that will make it a requirement for other people to be "fiscally" responsible for your unpaid loan

We run an algorithm which tries to ascertain that the contacts list is not fake/empty. Uninstalling the app would only prevent us from getting new contacts, and ability to notify you of your pending bills via push notification.

The commonality I was referring to is not having a "Checkbox" before uploading contacts as is required by Play Store.