iOS 3.2.1 审核被拒? 我已经隐藏贷款申请这个功能，审核的时候还是说需要提供相应的证明！
发件人 Apple
3. 2.1 Business: Other Business Model Issues - Acceptable
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.
我初审的时候，把里面的贷款申请功能隐藏了！但是还是发现了？？?难道他们能看见源码
苹果官方被拒理由详解
其实，应用提审后因上述理由被拒的现象早在今年 2 月份便已突显，只是量级没有目前大而已。对图片中苹果回复的信息进行了简单翻译，如下所示：
从苹果回复的被拒理由我们不难发现以下信息：
1、苹果审核人员已经确定你的 Apple 开发者计划会员资格等已被用于不诚实或欺诈活动。
2、你的行为违反了 Apple 开发者计划许可协议第 3.2（f）节。
3、由于这些行为，苹果已禁止你继续提交/更新该应用。
4、继续从事这些行为，苹果可能会将你的应用下架、封停开发者账号，并终止你的 Apple 开发人员计划会员资格等。
除此之外，苹果还给出了 Apple 开发者计划许可协议第 3.2（f）节的部分内容。（见上方中文翻译）将其与第 3.2（f）节的原文进行了对比，发现除缺少举例部分外，其他基本一致。
第 3.2（f）节原文及翻译如下所示：
分析 & 应对措施
从苹果回复的信息以及 Apple 开发者计划许可协议第 3.2（f）节的内容我们不难推测，任何干扰苹果软件或服务的行为都有可能因该理由被拒。
而从统计的近 100 个样本数据来看，今年 2 月份，苹果便开始在审核中频繁使用 3.2（f）来拒绝应用，且被拒应用多是重复提交的应用，或和第三方应用类似的应用。其次是用违规手段操控过榜单排名或评论的应用、以及涉嫌侵权的应用等。
通过样本分析出的现象和 Apple 开发者计划许可协议第 3.2（f）节中的部分举例不谋而合，同时其也帮我们解释了：为什么近期马甲应用提审困难。（→因为苹果加大了对重复提交的应用或和第三方应用类似的应用的审核力度！）
如果因该理由被拒，我们该如何处理呢？
1、收到苹果的通知/邮件后，如果是误会，可考虑向苹果解释清楚，然后请求苹果停止处罚。如果真的存在欺骗行为且确认苹果已发现该行为，可考虑（改正后）态度诚恳地回复苹果，承认错误并保证以后不再采取该行为。如果苹果接受了道歉，也许可以解封。但如果苹果态度坚决，就只能另想办法了。（主动承认有一定风险，请综合利弊后，谨慎选择。）
2、如果是提交了重复应用而被拒，还可考虑修改应用名称、图标等元数据以及功能、界面，或者去掉代码特征等后，重新提审。（需要注意的是，据传苹果现在已经开始通过技术手段扫代码，如果只是简单的更改，仍然可能会被拒。）或者，直接用新账号提交审核，必要时可考虑修改名称、图标等元数据以及功能、界面等，这样更容易过审。（注意，如果只是简单的更改，仍然可能被拒，且新账号也有被封的风险 。）
从今年9月份开始，贷款类APP在iOS的上架问题一直困扰着很多行业公司的产品、运营及技术的小伙伴。当然，这并不是我本人首次遇到这个问题。
对于苹果来说，对iOS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，主要的解决方案有两种，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。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。
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.
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. A copy 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).+Q*2**2***零*53**57*OO7
4.Your app’s and servi*ce’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism doesyour app and service offer?
6. What is your responsibility in such case? Is suchresponsibility stated clearly in the Terms & Conditions?
7. 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，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。
其他类型的金融类APP，或者有其他的上架解决方案，但成功率最有保障的，始终是资质、资质、资质。
iOS 借贷App借用资质账号上架后转移一个开发者账号下的APP产品转移到另一个开发者账号，在前面我已经说过金融,借贷,股票,贷款超市类型的App应用根据苹果App store新规定：金融理财类应用只能用对应公司名称的开发者账号上传。也就是说，如果用个人开发者账号提交金融理财类应用后收到了类似邮件，可以考虑用公司开发者账号提交；（鉴于您就是使用的开发者账号，所以可以不做考虑。）不管是更新或者新上包都一样，更新的一旦没有通过，就会被下架。
因为在前几个月的时候帮客户上架突然碰到大量问题！所以我就创了一个金融提审被拒交流群,在群里大多都是：PLA1.2或者5.2.1及3.2.1，当时我也试着用上架彩票马甲包的方法，但是还是碰到iOS 3.2.1 审核被拒的问题！听了个别不靠谱的技术（我就不点名了，什么跟苹果斗智斗勇的，大家就不要走我的老路，MB，什么一直跟苹果多次反馈，谁试谁知道，马上封号，就连你的包都会被订上，同样的包换账号上架一样封账号）
邮件回复内容：
3. 2.1 Business: Other Business Model Issues - Acceptable
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.
虽然已经隐藏贷款申请这个功能，审核的时候还是说需要提供相应的证明！相信做马甲包的技术百分之九十九都有这个问题。然后当时在群里跟一个开发者进行交流的时候，突发奇想，就是找别人购买资质的账号或者购买公司的资质进行注册开发者来使用，于是我这边拖朋友帮我找了个有资质的账号，花了好多的钱！
于是马上进行重新的提交，这次竟然没有被3.2.1，只是元数据的问题，我把元数据给改了以后苦等半个多月就通过了审核，所以给大家分享一下我的经验，希望能够帮助众多的开发者们还有公司。
处理的方案流程简单来说就是：找人购买资质账号或直接买下公司全套资质证件等信息→注册开发者或直接用现成的账号提审并附上资质扫描件→然后通过后在进行从金融资质的公司开发者账号下把App转回自己的开发者（已经试了三个都没有问题，没有被下架)