苹果金融类APP审核Guideline 3.2.1 - Business - Other Business Model Issues - Acceptable大礼包

最新消息，2018年04月02日，审核过了，哈哈

审核通过.jpeg

---

---

---

以下为原文：

2017年12月1号监管新规后，苹果审核加了3.2.1条例：

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 that verifies the authorization from the Internet Loan Information Agency (营业执照，营业范围证明其是网络借贷信息中介机构).
Specifically, your did not provide the direct link to the government website. 

2. Both a copy and the direct link to the government website of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. 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.

很不幸，近日在更新APP时，中了这个大礼包，把申诉过程记录下。

打回1.png

第一次被拒，以为没啥大事就自己撤回，重新打包上传，并提交了了营业执照，以后这就没事了。
没想到还是因为这个原因打回。

网上搜了下，在解决方案中心进行了如下回复：
提供了我们公司的营业执照扫描件、上海市金融服务办公室的批复文件和国家企业信息公示系统http://www.gsxt.gov.cn/index.html上查到的公司信息，必须提供这个网站，不然他有理由认为你们公司的信息是作假来的。

尊敬的审核人员:

您好,我们公司是一家金融公司.

**App隶属于上海******有限公司,App是一家金融衍生品信息服务平台,由上海******有限公司研发运营.

附件1为我公司的营业执照,明确了我司具备发放贷款及相关资讯活动.

附件2为上海市金融服务办公室对我司业务的批复文件.

附件3是国家企业信息公示系统的截图,你们也可以到国家企业信息公示系统查询我们公司的经营范围,这是网址：http://www.gsxt.gov.cn/index.html，我们公司全称:上海******有限公司.

请继续审核,非常感谢.

申诉1.png

然而苹果爸爸果然是爸爸，还是没有通过，其他资料也必须补充完整。。。

打回2.png

没办法了，领导催得紧必须要上线。
手头上的工作全部放下来，专心研究这个条例，花了一上午时间，针对他的问题一一做了回复：

尊敬的审核人员，您好，以下为补充资料:

- A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
附件4为我司在国家工信部网站的ICP备案信息,查询网址为http://www.miitbeian.gov.cn/publish/query/indexFirst.action,输入我司主办单位名称:上海******有限公司,再输入验证码提交即可查询.

- Your app’s and service’s Terms & Conditions.
附件5为用户协议在APP内的查看入口,附件User registration agreement.doc为我司的用户协议文本,请查看.

- In the case of dispute, what resolution mechanism does your app and service offer?
用户在应用中发生的一切行为都有相关服务条款供其提前知情，如注册、借款等，注册时会有用户协议见附件User registration agreement.doc.借款成功后会生成具有法律效力的合同,APP内的入口见附件6,同时合同文本也已上传,你可参考附件contract.doc.用户在使用应用过程中出现疑问时,可通过客服解决,客服入口在APP内的入口请参考附件7.

- What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
有关责任认定、权力义务、违约以及争议解决方式,附件contract.docx已明确说明,您也可以参考附件8

- How will the involved parties trace one another?
我司具备
1.严谨的线上******.
2.优秀的投资******.
3.专业的线下******.
4.合理的合同******.

请继续审核,非常感谢.

申诉2.png

苹果解决方案中心好像一旦通过了，之前的申诉内容就看不到了，所以记录下。
目前还在等到审核中，不知道结果如何，有消息了第一时间更新。

总的来说，这波审核条例的更新，应该是坑了一大波iOS开发者。领导是不懂什么审核不审核的：人家安卓都上线了，你iOS的怎么花了这么久？比开发周期还长，还想不想干了。。。还有大波的APP是没有资质的，比如外包公司的账号、马甲账号等等，难怪最近好多金融类APP都没有更新了，应该是都卡在了这里。

另外提供一些网上的资料：
1.https://www.jianshu.com/p/a60cee57ec8b?from=singlemessage
2.https://www.jianshu.com/p/ea3183f72966