iOS版贷款类、理财类app上架appStore审核被拒5.2.1到3.2.1的解决方案 ???

iOS版贷款类、理财类app上架appStore审核被拒5.2.1到3.2.1的解决方案 ???


[align=start]由于近年现金贷乱象丛生,导致一系列现金贷相关新规落地。从2017年9月份开始,贷款类,理财类,彩票类APP在appStore上架审核变的异常严格。

最近也有同事公司做现金贷业务,他们上架新app就遇到需要提供资质的问题,然后询问我这边有没有遇到,有没有什么好方法。

对于苹果来说,对iOS app上架卡的严,主要有两个原因,一个就是影响用户体验,影响正常的iOS流量分发;一个就是政策原因。大部分马甲包的上架难,

无疑就是第一种所致。贷款类、理财类、彩票类的APP上架,主要都是政策原因导致。

那么对于这一类政策原因导致的上架难,网上推出的两种解决方案如下:

方案1:一个是做假页面方案,混淆审核人员的视听,以图上架成功,但是假页面方案一定要做的

够精致、功能稍微多点,不然容易遇到4.2条款被拒,也就是最小功能条款。

方案2:另一种就是用有资质的账号上,要具备相应的经营范围及金融资质。

现在讲讲第二种方案,以贷款类APP的上架为例。一开始是PLA1.2的条款,到了19大之后,变成了5.2.1条款,再到12月1号监管新规之后,就变成了3.2.1条款。

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[align=start]先看看3.2.1条款的内容:

Guideline 3.2.1 - Business - Other Business Model Issues- Acceptable

We also found that your app facilitates loanapplications, but the seller and company names associated with your app do notreflect the financial institution in the app or its metadata, as required byGuideline 3.2.1(vii) of the App Store Review Guidelines.

Next Steps

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

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结构).

A copy of your Finance Permit issued from the local finance governing authority (金融许可证).

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.

In the case of dispute, what resolution mechanism doesyour app and service offer?

What is your responsibility in such case? Is suchresponsibility stated clearly in the Terms & Conditions?

How will the involved parties trace one another?

Additionally, please ensure your app’s Support andPrivacy URLs in the metadata direct users to the webpages with appropriateinformation.

Once you reply to this message in Resolution Center with the requested information, we can proceed with your review.

从条款的内容,可以看到,贷款类APP的上架,如果想不做大的改动上架的话,要么用有资质的账号,要么碰运气,毕竟苹果审核人员有时候审核就是这么任性。

有资质的账号,一定要具备经营范围(营业执照)、金融许可证以及ICP证,同时在上架的时候上传在附件里,给审核人员审核的时候看。

有资质的账号,这个条件,对于很多公司来说,都是不具备的。对于这部分的小伙伴,只能是找具备这个条件的朋友公司借用有资质的账号来解决,让对方帮忙代上架,[align=start]或者让对方把自己的开发者账号添加到对方的开发者账号下,提交审核,等上架成功后,再转到自己的开发者账号下。

对于有问题的可以q:3155157943交流

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