1、PLA3.2.1：
PLA3.2.1，开发者被要求提供营业执照和金融许可证、增值电信业务许可证。如果有这三个的话当然最好啦，直接附件提供，后面四个问题也一起回复。但很多金融app都是没有的，合规备案最快也要等到4月，所以这部分又急更新但又缺乏资质的，就只能找代上架解决。
目前代上架市场，银行账户的收费在4--6万间，若是理财app上架收一次费，后期的更新版也是跟上架收费一样....成本很高。
而且目前银行上架之后，也有面临在转回自己主账号的时候被拒，现在有一些理财app已经被拒，主包都下架了，只能继续找其他的代上架...
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结构).
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.
2、PLA2.1
PLA2.1是1月底开始出现的苹果大礼包....大家都不想收....
3.2.1还能通过代上架去解决，但是出现了2.1就真的很麻烦了，代上架也不一定能成功，只能不断跟苹果沟通尝试。
目前还不知道2.1的具体解决方案，若有再同步更新~
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.（包含虚假信息，功能或误导性元数据）
2.3.0 - Undergo significant concept changes after approval（含有不经审核也可更改App功能）
2.3.1 - Have hidden or undocumented features, including hidden "switches" that redirect to a gambling or lottery website（含有隐藏功能或未记录的功能，包括定向到赌博或彩票网站的开关。）
3.1.1 - Use payment mechanisms other than in-app purchase to unlock features or functionality in the app（应用内购以外的支付机制来解锁App中的功能或功能。）
4.3.0 - Are a duplicate of another app or are conspicuously similar to another app（重复app，是另一款应用的复制品，或与另一款应用明显相似。）
5.2.1 - Were not submitted by the legal entity that owns and is responsible for offering any services provided by the app（未由拥有并负责提供该应用程序提供的任何服务的法律实体提交。）
5.3.4 - Do not have the necessary licensing and permissions for all the locations where the app is used（含有货币游戏（如：体育下注、赌场游戏等），但未提供相关许可资质。）
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 iTunes 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.