iOS贷超APP上架心得分享2024

贷超APP从0到1上架苹果商店全过程。

一.关于指引3.2.1 -业务-其他业务模式问题-可接受

*营业执照副本和政府网站的直接链接(营业执照)
-我们目前的业务模式是联合借贷，是科技和金融的结合。它允许科技公司和金融机构以合法的方式合作，也允许金融机构本身用技术的力量获得更多的优质客户。我们根据附件中的合作协议与XXX进行合作。附件是它的财务许可证，我们附上了政府网站供您参考。
*应用程序和服务的条款和条件。
-附件是注册和服务协议，请查收。本协议即为您所指的条款与条件。
*如果发生争议，你的应用和服务提供什么解决机制?
在这种情况下你的责任是什么?这些责任是否在条款和条件中明确规定?
*有关各方如何互相追查?
-以上所有问题，请参阅注册服务协议中提及的第14条投诉处理条款;如果发生任何争议，客户可以直接在app内的客服页面与我们联系。作为服务和技术的提供者，我们的客户服务团队将定义客户的疑问，并帮助他们解决相应的问题。
我们在APP的《注册服务协议》和双方约定的《借款协议》中都明确提到了责任方(您也可以看到《合作协议》后面附带的《借款协议》模板)。用户可以清楚地理解和界定责任方主体。

请检查我们这次的审查，如果你有任何问题，请随时告诉我们。谢谢你！

亲切的问候,

二.提供相关资料

1.-年度百分比利率 (APR) 或付款到期日信息不包括在贷款条款中。

2.-请直接在您的主页 (首页) 中修改您的应用程序UI，以清晰明确地说明贷款提供商。

3- 提供显示互联网内容提供商许可证（电信与信息服务业务经营许可证）的政府网站的副本和直接链接.
4- 提供林XXX股份有限公司营业执照的照片.

总结：完成多轮的提交资料，已经相关的修复兼容性问题，APP审核就审核通过.成功上架苹果商店 

需要技术支持的话请联系邮箱：1292664079@qq.com

For Guideline 3.2.1 - Business - Other Business Model Issues - Acceptable
*Both a copy and the direct link to the government website of your Business License (营业执照)
- Our current business mode is co-lending which is the combination of technology and finance.    It allows both technology company and financial institution to cooperate in a legal way, and also allows financial institution itself to get more quality customers with the power of technology.    We cooperate with XXX based on the Cooperation Agreement attached.    Attached please find its financial license and we have attached the government website for your reference.
*Your app’s and service’s Terms & Conditions.
- Attached please check the Registration and Service Agreement.    This Agreement serves as the Terms & Conditions you refer to.
*In the case of dispute, what resolution mechanism does your app and service offer?
*What is your responsibility in such case?    Is such responsibility stated clearly in the Terms & Conditions?
*How will the involved parties trace one another?
- For all above questions, please find the Registration and Service Agreement in which it is mentioned the Complaint Handling Clause in Article 14;    If there are any disputes happened, the customer can reach us on the Customer Service page inside the app directly.    As the service and technology provider, our Customer Service team will define the customers’ queries and help them to solve the problems accordingly.
We have clearly mentioned the responsible party both in Registration and Service Agreement and Loan Agreement agreed by both parties in the APP (You can also see the Loan Agreement template attached behind the Cooperation Agreement).    The user can clearly understand and define the responsible party subject.

Please kindly check our review for this time and if you have any further questions, feel free to let us know.    Thank you.

Kind Regards.