记录Guideline 3.2.1 - Business - Other Business Model Issues - Acceptable

此文只作为记录审核历程，不同的产品，公司，业务，不具备参考性

 

第一次：

Guideline 3.2.1 - Business - Other Business Model Issues - Acceptable

 

We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.

Next Steps

To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.

1. Both a copy and the direct link to the government website of your Business License which includes the scope that your company is allowed to provide internet lending information intermediary services (营业执照，且执照中明示公司经营范围包含从事网络借贷信息中介服务)
2. Your app’s and service’s Terms & Conditions. 
3. In the case of dispute, what resolution mechanism does your app and service offer? 
4. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions? 
5. How will the involved parties trace one another?

Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.

 

 

 

Please attach documentary evidence in the App Review Information section in iTunes Connect. In accordance with section 3.2(f) of the Apple Developer Program License Agreement, you acknowledge that submitting falsified or fraudulent documentation can result in the termination of your Apple Developer Program account and the removal of your apps from the App Store. Once Legal has reviewed your documentation and confirms its validity, we will proceed with the review of your app.

 

 

 

回复如下：

1. Both a copy and the direct link to the government website of your Business License which includes the scope that your company is allowed to provide internet lending information intermediary services (营业执照，且执照中明示公司经营范围包含从事网络借贷信息中介服务)

公司的经营范围以及营业信息可查询 深圳信用网，网址如下：
https://www.szcredit.org.cn/
企业名称：*******

统一社会信用代码：*******

 

国家企业信用信息公示系统：
http://www.gsxt.gov.cn/index.html

公司官网：*******

最好能上传企业执照，一定要具备经营范围（营业执照）、金融许可证以及ICP证

 

2. Your app’s and service’s Terms & Conditions. 
为客户提供网络信息中介服务，在合法合规的前提下开展业务。
具体服务协议链接如下：
********

3. In the case of dispute, what resolution mechanism does your app and service offer? 
对于纠纷，按照中华人民共和国法律，依照司法程序解决纠纷。

4. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions? 
如果出现纠纷，依照法律规定和合同约定承担责任。

5. How will the involved parties trace one another?

按照中华人民共和国法律进行追查。

 

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第二次被拒绝：

2018年9月7日 

发件人 Apple

• 2. 1 Performance: App Completeness

Guideline 2.1 - Information Needed

This type of app has been identified as one that may violate one or more of the following App Store Review Guidelines. Specifically, these types of apps often:

1.1.6 - Include false information, features, or misleading metadata.
2.3.0 - Undergo significant concept changes after approval
2.3.1 - Have hidden or undocumented features, including hidden "switches" that redirect to a gambling or lottery website
3.1.1 - Use payment mechanisms other than in-app purchase to unlock features or functionality in the app
3.2.1 - Do not come from the financial institution performing the loan services
4.3.0 - Are a duplicate of another app or are conspicuously similar to another app
5.2.1 - Were not submitted by the legal entity that owns and is responsible for offering any services provided by the app
5.2.3 - Facilitate illegal file sharing or include the ability to save, convert, or download media from third party sources without explicit authorization from those sources
5.3.4 - Do not have the necessary licensing and permissions for all the locations where the app is used

Before we can continue with our review, please confirm that this app does not violate any of the above guidelines. You may reply to this message in Resolution Center or the App Review Information section in App Store Connect to verify this app’s compliance. 

Given the tendency for apps of this type to violate the aforementioned guidelines, this review will take additional time. If at any time we discover that this app is in violation of these guidelines, the app will be rejected and removed from the App Store, and it may result in the termination of your Apple Developer Program account.

Should you choose to resubmit this app without confirming this app’s compliance, the next submission of this app will still require a longer review time. Additionally, this app will not be eligible for an expedited review until we have received your confirmation.



Since your App Store Connect status is Metadata Rejected, we do NOT require a new binary. To revise the metadata, visit App Store Connect to select your app and revise the desired metadata values. Once you’ve completed all changes, reply to this message in Resolution Center and we will continue the review.

这次说的很严重，我们处理也很谨慎；

回复一：

2018年9月7日 

发件人 ：*******邮箱

尊敬的审核人员，
您好，我想针对此次被拒说明下情况，
1.我们app是为了响应相关规定做了整改，我们依然为了p2p资质审核在努力着，具体的进度您可以参照我们的官网：https://www.guanwang.com；
备案信息：https://www.guanwang.com/info/

2.据了解，市场上像我们这种有实力而且合规的公司，暂时都在等待相关部门审核，但是这个时间不可控，在这段时间内，是否有更合适的解决方案来对待升级更新，既保证了大家积极合规又对用户和整个行业app都是比较好的过渡；

3.在此过程中需要提供什么资料我们会极力配合，期待您的回复和指点，非常感谢；

附件包括：
银行存管协议
营业执照
银行开户许可证
备案证明
等保三级证书

回复二：主要是上传附件，说明备案的相关进度

• 2018年9月7日 

  发件人：*****邮箱

  附件包括：
  银行存管协议：p2p_yinhang_cunguan.png
  营业执照: p2p_yingyezhizhao.png
  银行开户许可证: p2p_kaihuxuke.png
  信息系统安全备案证明: p2p_beian.png
  等保三级证书：p2p_dengbao3_2018.png
  
  企业信息查询：http://www.gsxt.gov.cn

以上回复发出后，至今未有任何回复，不清楚他们到底啥意思

 

回复三(内容忽略)

9月底的时候发了几封邮件催了下，终于回复说不需要补充其他信息，并且说这次审核可能要花费更多时间，感觉是全量审核；

果然不出所料，这次审核总共一周以上，收到的结果却是说使用了私有API，感觉很扯淡，这些代码都多少年在用了，感觉?大大他们就是鸡蛋里挑骨头，闲的蛋疼啊，牢骚也发了，该还是得改，谁叫他是老大呢；

 

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第三次被拒绝

 

Guideline 2.5.1 - Performance - Software Requirements

Your app uses the "prefs:root=" non-public URL scheme, which is a private entity. The use of non-public APIs is not permitted on the App Store because it can lead to a poor user experience should these APIs change.

Continuing to use or conceal non-public APIs in future submissions of this app may result in the termination of your Apple Developer account, as well as removal of all associated apps from the App Store.

Next Steps

To resolve this issue, please revise your app to provide the associated functionality using public APIs or remove the functionality using the "prefs:root" or "App-Prefs:root" URL scheme.

If there are no alternatives for providing the functionality your app requires, you can file an enhancement request.

 

替换了所有的"prefs:root" or "App-Prefs:root"，使用新的UIApplicationOpenSettingsURLString方案，效果差不多；

再次提交，希望好运，我已经洗干净了，随时准备着；嚯嚯

-------------------漫长的等待------------------------

审核了很久，大概花了两周时间，终于过了；

期间在开发网站提交开发账号的问题申请，收到电话后借机问了下审核情况，对方只说这些不属于他们负责，如果需要沟通请发在网站发回复给审核人员，哎，表示很无奈；

 

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第四次是提交

再次发版本上去，简直是秒审呢，上午发的，晚上就审核过了，第二天就发布上架，简直弄的人家不要不要的

 

 

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综上经验，

反正有啥能证明公司身份的文件全部丢给他就得了，你也不知道他究竟要哪些，?大大也不会好好跟你说的；

沐浴焚香，洗干净，提交资料以后，你就摆好姿势，准备提交审核包了；

然后就是等着被虐就可以了，只要你的资料合规，回复尽量说的很严重，类似于不上线审核通过，就要被老板砍死啊；审核不过会被产品QJ100次啊等等；?大大估计可怜你虐你两三周就能过了；

 

以上操作，仅供参考，请慎重处理，如若出现任何异常情况，楼主概不负责