[true_religion]

Or they will contact them to look for you... like every debt collection service in the world. That you aren’t paying your bills, might be inferred by your friends but they aren’t forced to come right out and say you are delinquent from the get go.

[ccmcarey]

https://news.ycombinator.com/item?id=22840880

They pointed to another app that does this as an example of what they do. The reviews from that app indicate that coming out and saying they are delinquent is exactly what they do.

[hluska]

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?

[true_religion]

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.