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berrylove0619
V2EX  ›  iPhone

iPhone APP 上架因金融问题被拒,请问一下这个问题怎么解决?

  •  1
     
  •   berrylove0619 · 2018-04-18 11:44:54 +08:00 · 4164 次点击
    这是一个创建于 1573 天前的主题,其中的信息可能已经有所发展或是发生改变。

    是这样的,公司产品页面有个金融模块,里面是我们代理银行的金融产品展示,客户有需求,直接电话联系我们,我们实际做的就是居间代理,所以没有金融产品的资质。 从最开始上线 1.0.0 版本,一直发布到 1.0.7 都没问题,到 1.0.8 的版本被拒绝了,因为金融产品的问题。具体拒绝原因如下:

    最开始上线的时候,也做了解释具体如下: 审核人员你们好,我司产品首页金融产品内,有相关金融信息,因业务本身无需提供资质,也无金融资质,所以特做如下的声明,并解释此业务的模式。 我司的金融业务模式为居间代理,我们只是将有贷款需求的客户匹配相应的贷款产品,至于是否能够发放贷款,是由我司合作的银行或者有资质的机构进行最终的审查决定;是否接受这笔贷款,也是由客户自行决定。 我们的角色只是居间促成交易,不涉及贷款的发放。

    请问这种情况,怎么解决?或者哪位大大公司也有类似业务的怎么解释呢?

    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).
    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?
    8. License numbers for the Business License, Finance Permit, and Value Added Telecom Permit in the Review Notes section.

    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.

    5 条回复    2018-04-19 10:12:37 +08:00
    AckywOw
        1
    AckywOw  
       2018-04-18 14:19:35 +08:00
    有资质的有时候还会被拒,更别说你这没资质的😅
    takato
        2
    takato  
       2018-04-18 14:21:56 +08:00
    现在应该是只要提供管道平台,都需要资质吧。除了拿资质,应该没有别的办法了。
    helone
        3
    helone  
       2018-04-18 14:31:02 +08:00
    我们公司做过,提供合作的银行或者有资质的机构的授权文件和资质文件
    bao3
        4
    bao3  
       2018-04-18 23:55:04 +08:00 via iPhone
    有资质,你就是猎头,没资质,你就一皮条客。所以,办个资质吧
    mcluyu
        5
    mcluyu  
       2018-04-19 10:12:37 +08:00
    这在去年的旧条款是 PLA1.2, 今年更新了成 3.2.1,去年卡了几个月,换了一个保理公司账号上了, 今年没做那个项目了,上个月又被卡了,他们现在也还没过呢,一旦被苹果揪住,只有两条路可走:
    1.去掉那部分内容(或者藏起来),如果是主要业务,那就别想了,推公众号或者 H5 去吧
    2.换一个有绝对资质的账号(一般不可能)
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