iOS 审核被拒绝3.2.1 没有金融许可证

今年金融行业不好做，p2p暴雷好多家，上半年Android应用市场整顿金融类应用，在华为应用市场被误认为p2p应用而下架，经过上诉上传资质证明得而重新上架，各个应用商店平台陆续需要资质证明。最近应用在苹果商店审核被拒绝，同样也是因为金融类资质的问题。以下为苹果拒绝原文

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.

- Both a copy and the direct link to the government website of your Business License (营业执照)
- A copy of the Rectification Notification issued by the relevant governing authority to your company (当地金融办 (局) 下发给贵公司的「整改通知书」附件)
- A copy of the proof that your company is connected to a bank’s depository system (银行存管证明)
- Your app’s and service’s Terms & Conditions.
- 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?

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 App Store 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.

 

看到这么一大串英文，千万不要慌！看不懂打开翻译软件，无非就是需要提供一些资质证明。查一下资料看看别人是怎么上诉成功的，千万不要盲目听信代上架公司的，五万块钱呢，还是可以省下的。

要求的证件照，找总裁办提供，扫描件加水印。没有的话，可以委婉说明情况或不提。营业执照肯定得有的哇！整改通知书这个不见的都有，我没有也没有提。银行存管证明公司合规的话也应该都会有。金融许可证这个比较难办了，没有也不要紧。尽量把公司的有利证书都放上，来弥补其他的不足之处。

注意营业执照和icp备案最好配上查询地址，不然人家不知道你这个证件真的假的，我第一次上诉的时候没有加查询地址，被拒绝了可能有这方面影响。

国家企业信用信息查询链接：http://www.gsxt.gov.cn/index.html，

增值电信业务经营许可证查询链接: https://tsm.miit.gov.cn/pages/home.aspx

第一次上诉审核的时间比较长，等了7天，结果还是被拒绝了，可能提供的资料太简陋了。第二次上诉审核的时间就快了，第二天就通过了。

第二次我是准备了一份pdf文件。以下是目录

一、我司情况说明（描述一下公司真实情况）

二、纠纷解决（发生纠纷了如何解决的，找法务部提供一下）

三、账户使用协议（App中账户使用协议入口截图，协议内容截图）

四、营业执照（注释查询地址）

五、icp备案（注释查询地址）

六、银行存管证明

 

这是我的经历和解决方法，希望能够帮助到您，祝您上诉成功！