2020-04-10 Appstore审核拒绝原因-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)

- 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.

Please see attached screenshots for details.

截图就不放了，大致是一些界面上出现贷款字样。

记录第一次回复（争取一次就过）：

尊敬的审核人员:  

您好，我们是一家主营电动车租赁公司。

****APP隶属于浙江*******有限公司。APP是提供向专业外卖市场或相关从业人员提供电动车租赁服务，与**银行合作为用户提供押金贷款授信模式，解决租赁业务中用户需要支付现金缴纳租金的痛点。帮助用户解决押金问题从而使用租车服务。app内显示贷款信息是因为根据银行监管部门要求的必须明确告知用户押金来源为银行贷款授信，但实际业务中并未向用户发放现金贷款。

- Both a copy and the direct link to the government website of your Business License (营业执照)

附件1为我公司的营业执照,国家企业信用信息公示系统链接：http://www.gsxt.gov.cn/index.html（搜索到自家公司，然后替换公司的详细URL）.

附件2是**银行与我公司合作协议.

- Your app’s and service’s Terms & Conditions.

附件3为注册协议和隐私政策在APP内的查看入口,附件User registration agreement.pdf为我司的注册协议文本,隐私政策在alias.zip中，请查看.

- In the case of dispute, what resolution mechanism does your app and service offer?

用户在应用中发生的一切行为都有相关服务条款供其提前知情，如注册、租赁、征信授权、**银行贷款等，注册时会有注册协议见附件User registration agreement.pdf.租车成功后会生成具有法律效力的合同,APP内的入口见附件5orderDetils.png,同时相应的合同文本也已上传,你可参考附件alias.zip.用户在使用应用过程中出现疑问时,可通过客服电话解决,客服电话在APP内的入口请参考附件7 servicePhone.png.

- What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?

有关责任认定、权力义务、违约以及争议解决方式,附件alias.zip中的信用租租赁协议中已明确说明。

- How will the involved parties trace one another?

我司具备

1.严谨的线上租车业务.

2.专业的线下服务门店.

3.合理的合同条款保障.

Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.

所有的合同、协议都能正常浏览，隐私协议在我的--隐私协议可查看，注册协议在注册页面可查看，其他合同在相应的租车流程中都可查看。

请继续审核，谢谢。

等待审核中。。。