[heroic]

Here's what Google is telling us:

Your app is uploading users' [Contact] information to [URL] without a prominent disclosure. Prior to the collection and transmission, it must prominently highlight how the user data will be used, describe the type of data being collected and have the user provide affirmative consent for such use.

[avianlyric]

I think that’s pretty clear. Google are telling you that you must explicitly outline what you’ll do with peoples contacts (i.e. you’ll harass them if the debtor does pay).

Your current tick box doesn’t say that at all. They probably want you have a nice big tick box that says:

“I agree for [company] to harass my phone contacts if I don’t repay”