App Store 审核 金融App 3.2.1被拒及其他23种

近年金融行业百花齐放，缺乏监管，正因如此随着政策新规的到来，从17年9月份开始金融类（贷款、理财）上架开始变的异常困难，其中受政策影响的还有彩票类应用；

对于App Store来说，卡APP无非参照两点，一是用户体验，二是当地政策法律。大部分马甲包的上架难，无疑就是第一种所致。而贷款类、理财类、彩票类的APP上架，主要都是政策原因导致。

本文将会针对金融产品（贷款、理财）及其他被拒情况进行撰写。

PS：本人微信：wearerockyouuu，通过个人经验及其他方式帮不少朋友搞定了上架难题，欢迎同行对上架进行交流，共同探讨行业前景；

一、理财、贷款产品被拒原因

首先我们来看看被拒条款：

如果你没有收到这三条在下次提交材料的时候提交这上面的图片下次应该就会给你回复这几条；

如果你回复这三条苹果给你反馈的时间很短还是这三条，你很有可能遇到机审了或者你回复的这几条中苹果没有满意。因为大家回复3.2.1都是很多次了，现在苹果给答复的时间一般在4~5天大家不要着急。

另外附上：

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

从条款的内容，可以看到，金融类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。

但目前采用资质账号的办法难度逐渐加大，为苹果审核对上架成功后的转让出的App查的很严，一经发现，立马下架此类App，同时可能会对该苹果账号进行封号处理，所以大部分的资质代上，目前已经成了一日游。另外，苹果审核目前对此类资质账号卡的非常严，过审非常艰难，所需时间非常久。

综合以上，目前金融类App，只要没有正规资质的，如果想要上架App Store，那套壳会是一种最稳妥的上架方式。

所谓套壳，就是将App伪装成另一个App，在过审的时候，给苹果审核展示伪装App的内容，等过审后，再切换回真实的App内容。此方法对原生、H5类型开发的App均适用。

目前的金融类App套壳，主要是将App伪装成天气类、新闻类的App，当然这种App伪装的方式弊端诸多，比如说App的分类是一个问题，会影响App后续的ASO优化等，这是做App套壳的主要弊端之一。当然，如果能将App伪装成财务类应用，则此类问题的影响，会被较大的削减。

金融理财上架总结：

1.上架符合苹果条件提供相应材料过审核，如果确实资料可以找我咨询，另外回复模板可找我拿。

2.套壳，稳定的方式，本人也弄过套壳的方式，利弊在上面也说了。

3.金融中介账号上架，逻辑与银行账号一致，成功率相对银行张较高，但目前仅支持理财。

4.银行账号上架，成功几率较低，而且比较费精力。

二、其他被拒条款及解决办法

这里给大家收集整理了常见的 App Store 审核被拒的23个理由,并且附上官方拒绝理由原文,供大家上传应用时对照检查。

应用被拒分为两种:Binary Rejected 和 Metadata Rejected。前者需要重新上传应用并且重新排队,后者只需要修改信息,不需要重新上传应用。

1、应用内包含检查更新功能

iOS 应用的版本更新必须通过 App Store进行,自身 App 内不能包含提示更新功能。从2015年3月起,所有包含检查更新功能的 App 都会被拒绝上架。

附被拒理由原文:

Your app includes an update button oralerts the user to update the app. To avoid user confusion, app version updatesmust utilize the iOS built-in update mechanism. We’ve attached screenshot(s)for your reference.

Next Steps

Please remove the update feature from yourapp. To distribute a new version of your app, upload the new app binary versioninto the same iTunes Connect record you created for the app’s previous version.Updated versions keep the same Apple ID, iTunes Connect ID (SKU), and bundle IDas the original version, and are available free to customers who purchased aprevious version.

2、使用第三方登录时未做安装检测

接入第三方登录要检测是否安装了第三方客户端,未安装时不要显示对应按钮。2015年9月之前,通常可以采用判断未安装则隐藏登录按钮的方式。但目前隐藏按钮的方式也可能被审核拒绝,QQ 和微博提供了 web 登录的方式,如果判断未安装,需要允许用户使用 webview 的登录方式。苹果在条款中有声明不允许 iOS 应用的正常使用需要依赖另外一个 App。

附被拒理由原文:

We noticed that third-party app QQ/WeChatis required to use third-party authentication method. The user should be ableto login without installing additional applications.

Next Steps

If you choose to support third-partyauthentication, please use methods that can authenticate users from within yourapp, such as a native web-view.

3、采集设备IDFA但应用没有广告功能

从2014年2月起,Apple 开始拒绝采集 IDFA (identifier for advertising) 却未集成任何广告服务的应用进入 App

Store。如果 App 本身没有广告,ASO100.com  建议可以在审核的时候显示一个 Banner 广告,并且放在比较明显的位置,审核通过后关掉即可。

附被拒理由原文:

We found that your app uses the iOSAdvertising Identifier but does not include ad functionality. This does notcomply with the terms of the iOS Developer Program License Agreement, asrequired by the App Store Review Guidelines.

Specifically, section 3.3.12 of the iOSDeveloper Program License Agreement states:

"You and Your Applications (and anythird party with whom you have contracted to serve advertising) may us theAdvertising Identifier, and any information obtained through the use of theAdvertising Identifier, only for the purpose of serving advertising. If a userresets the Advertising Identifier, then You agree not to combine, correlate,link or otherwise associate, either directly or indirectly, the priorAdvertising Identifier and any derived information with the reset AdvertisingIdentifier."

Please remove the iOS AdvertisingIdentifier from your app or add ad functionality to your app.

4、含UGC却未提供用户协议及举报功能

如果你的 App 内有发帖等UGC(用户产生内容)功能,必须提供用户协议,并留有内容举报功能,否则就会被审核拒绝。

附被拒理由原文:

We found your app enables the display ofuser-generated content which may become sexually explicit. Therefore we askthat you put the following precautions in place, to ensure your app remains incompliance with the App Store Review Guidelines.

Use Moderators to flag and removeinappropriate content

Require that your users agree to terms(EULA) and these terms must be clear that there's no tolerance forobjectionable content

Users need a way to flag or reportobjectionable content and users generating this content

Developer must act on objectionable contentreports within 24 hours by removing the content and ejecting the user whoprovided the offending content

Developer needs a method for ejecting userswho violate the terms of the EULA

Please keep in mind that it is not

sufficient for the user to report an issue through a general user feedback / 反馈orlike/dislike feature of the app. Please ensure that the contents that maybecome objectionable have a reporting or flagging mechanism readily accessibleby the user to allow the user to promptly report or flag the issue and clearlyidentify the offending content.

5、上传时没有使用真实的应用截图

应用程序的名称、描述、截图或者预览与应用的内容和功能不相关将会被拒绝。有 App 因为应用截图使用的是自己设计的插画而被审核拒绝。

附被拒理由原文:

We noticed that your marketing screenshot(s)do not sufficiently reflect your app in use.We've attached screenshot(s) foryour reference.

Next Steps

Please revise your screenshots todemonstrate the app functionality in use.

6、应用必须使用邀请码才能注册使用

苹果要求应用不能限制只有部分用户可以使用。

附被拒理由原文:

Your app arbitrarily restrict users byrequiring invitation code to register, which is not allowed on the App Store.We’ve attached screenshot(s) for your reference.

Next Steps

Please revise your app to remove anyfunctionality that limits who can use the app.

7、应用内出现第三方移动平台的名字或图标

一直以来,苹果都不允许iOS开发者在进行软件描述时提到 Android 版本,而自从2015年4月起,在 App 内、截图等任何地方提到安卓、Android 的文字、图标、系统界面都会被拒。曾经有电商 App,因为出现了售卖三星安卓手机而被拒。。。

附被拒理由原文:

We found that your app and/or its metadatacontains inappropriate or irrelevant platform information, which is not incompliance with the App Store Review Guidelines.

Specifically, your app mentioned otherplatforms, such as Android.

Providing future platform compatibilityplans, or other general platform references, is not appropriate in the contextof the App Store. It would be appropriate to remove this information.

8、应用内涉及奖励,未声明与苹果无关

App 里有实物奖励的话,不能使用苹果产品(例如 iPhone 、iPad 等)作为奖品。另外一定要声明“奖励由本公司提供,与苹果官方无关”。

附被拒理由原文:

Your app includes a contest or sweepstakesbut it does not:

Indicate that Apple is not involved in anyway with the contest or sweepstakes.

Next Steps

It is necessary to:

Include official rules of the contest orsweepstakes in the app

Include an explicit statement in thecontest or sweepstakes rules specifying that > Apple is not a sponsor

Ensure that the contest or sweepstakeprizes are not Apple products

9、没有提供恢复内购的方法

增加一个“恢复购买记录”的按钮即可。

附被拒理由原文:

We found that your app offers In-AppPurchase/s that can be restored but it does not include a “Restore” feature toallow users to restore the previously purchased In-App Purchase/s.

To restore previously purchased In-AppPurchase products, it would be appropriate to provide a “Restore” button andinitiate the restore process when the “Restore” button is tapped.

10、未注册时不能使用与账号无关的功能

对于资讯等 App,在没有进行与用户信息相关的操作时,却强行让用户登录,甚至不登录就无法看到任何内容,有可能会被拒绝。

附被拒理由原文:

We noticed that your app requires users toregister with personal information to access non account-based features. Appscannot require user registration prior to allowing access to app content andfeatures that are not associated specifically to the user.

Specifically, your app forces users tologin before they can read the news.

We features that your app requires users toregister or log in, prior to accessing non account-based features. Apps cannotrequire user registration or login prior to allowing access to app content andfeatures that are not associated specifically to the user.

Next Steps

User registration that requires the sharingof personal information must be optional or tied to account-specificfunctionality. Additionally, the requested information must be relevant to thefeatures.

11、iPhone 应用在 iPad 上不能正常显示

iPhone程序必须不经修改就能以iPhone分辨率和2倍iPhone 3GS的分辨率在iPad上运行。即使你的App 只为 iPhone 用户提供,在 iPad 上也必须能够正常显示,否则审核会被拒绝。

附被拒理由原文:

We noticed that your app did not run atiPhone resolution when reviewed on iPad running iOS 9.1, which is a violationof the App Store Review Guidelines. We’ve attached screenshot(s) for yourreference.

Specifically, the buttons at the bottom ofthe app are inaccessible when running on iPad.

Next Steps

Please revise your app to ensure it runs atiPhone resolution on iPad.

12、侵犯第三方版权

对于视频、音乐、图书类的应用很容易因为这一条而被拒。另外 ASO100.com 建议应用内最好不要出现第三方的商标,例如运营商的Logo、影视公司的 Logo 等。

附被拒理由原文一:

We found that your app allows users todownload music without authorization from the relevant third-party sources.

We’ve attached screenshot(s) for yourreference.

Next Steps

Please provide documentary evidence of yourrights to allow music or video content download from third-party sources. Ifyou do not have the requested permissions, please remove the music or videodownload functionality from your app.

附被拒理由原文二:

Your app includes content or features thatresemble a well-known, third-party mark, Fox . We’ve attached screenshot foryour reference.

Pursuant to your agreement with Apple, yourepresent and warrant that your application does not infringe the rights ofanother party, and that you are responsible for any liability to Apple becauseof a claim that your application infringes another party's rights. Moreover, wemay reject or remove your application for any reason, at our sole discretion.

Accordingly, please provide documentaryevidence of rights to use this content. Once Legal has reviewed yourdocumentation and confirms its validity, we will proceed with the review ofyour app.

13、应用截图、名称、描述等出现不雅词汇

在应用截图、名称、描述等任何地方出现例如诸如牛逼、绿茶婊、无节操、逗比等词汇,都会被苹果审核拒绝。

附被拒理由原文:

We found that your app contains contentthat many audiences would find objectionable, which is not in compliance withthe App Store Review Guidelines.

Specifically, we noticed your app name 打飞机-简单粗暴isobjectionable.

We encourage you to review your app contentand evaluate whether you can modify the content to bring it into compliancewith the Guidelines.

14、应用出现 beta版、测试版字样

不要过度谦虚地在启动画面或者应用名称上加上"beta"字样,苹果不允许测试版产品上架。

附被拒理由原文:

Your app appears to be a pre-release, test,or trial version with a limited feature set. Apps that are created fordemonstration or trial purposes are not appropriate for the App Store and donot comply with the App Store Review Guidelines.

To ensure compliance with the App StoreReview Guidelines, it would be appropriate to revise your app to complete,remove, or fully configure any partially implemented feature(s).

If you would like to conduct beta trial foryour app, you may wish to review the TestFlight Beta Testing Guide.

15、注册缺少隐私政策

如果应用包含注册功能,注册页面必须提供隐私说明协议按钮或者链接。另外在 iTunes connect 提交新版本的时候,Privacy Policy URL 必须要填写。

附被拒理由原文:

We noticed that your app includes accountregistration or access to users’ existing accounts but does not include aprivacy policy, which does not comply with the App Store Review Guidelines.

Please update your app metadata to includea privacy policy and ensure that the privacy policy URL you provide directs theuser to the intended destination.

16、应用出现崩溃、加载失败等bug

审核期间出现崩溃会导致审核被拒。 ASO100.com 建议,在审核期间务必保证服务器稳定,避免审核人员审核时出现内容加载失败的情况,导致被拒。

附被拒理由原文:

We discovered one or more bugs in your appwhen reviewed on iPhone running iOS 8.1.2 on both Wi-Fi and cellular networks.Specifically, no content is fetched whenusers launch the app.Please see the attached screenshot/s for more information.It would be appropriate to revise suchissue(s) in your application.

Next Steps

Please run your app on a device to identifythe issue(s), then revise and resubmit your app for review.

17、应用描述、截图和应用功能不符

如果应用的描述或截图介绍的功能在审核期间没有体现,则会被拒绝,如果介绍文案不够详细也会有一定概率被拒。

附被拒理由原文:

We found that your app did not achieve thecore functionality described in your marketing materials or release notes, asrequired by the App Store Review Guidelines.Specifically, your app does not include thefeature of 微信朋友圈分享that is written in your release note.It would be appropriate to revise your appto ensure this feature is fully implemented or to revise your ApplicationDescription, Release Notes, and/or screenshots to remove this content.

18、应用包含应用推荐功能

除特殊情况,苹果明令禁止应用内推荐其他APP。

附被拒理由原文:

The 应用推荐 feature in yourapp displays or promotes third-party apps, which violates the App Store Review

Guidelines. We’ve attached screenshot(s) for your reference.

Next Steps

Please remove the 应用推荐featurefrom your app.

19、应用包含不正确的诊断功能

如果你的应用中,包含不真实的系统检测或优化功能,苹果会认为这项功能有误导用户的嫌疑,审核时会被拒绝。

附被拒理由原文:

We noticed that your app providespotentially inaccurate diagnostic functionality for iOS devices to the user.

We’ve attached screenshot(s) for yourreference.

Next Steps

Currently, there is no publicly availableinfrastructure to support iOS diagnostic analysis. Therefore your app mayreport inaccurate information which could mislead or confuse your users. Weencourage you to review your app concept and incorporate different content andfeatures that are in compliance with the App Store Review Guidelines.

20、应用提交的新版本与上一版差异过大

如果你提交的新版本应用与上一版相比,功能上变化过大,比如将游戏升级为工具类应用,或在新版本中完全改掉前一版产品的功能,则会被苹果拒绝。

附被拒理由原文:

We found that your app did not achieve thecore functionality described in your marketing materials or release notes, asrequired by the App Store Review Guidelines.Specifically, the app has a whole contentswap from a Game app to a Mobile Data Tracking app, which does not provide agood user experience when updating the app.It would be appropriate to revise your appto ensure this feature is fully implemented or to revise your ApplicationDescription, Release Notes, and/or screenshots to remove this content.If your iTunes Connect Application State isRejected, a new binary will be required. Make the desired metadata changes whenyou upload the new binary.

21、应用违反当地法律法规

应用程序必须遵守上线地区的法律法规,禁止含有赌博、色情、有偿陪伴等违反法律的内容,尤其为用户提供付费社交服务的APP,例如在线直播类APP,必须严格遵守相关规定。

附被拒理由原文:

Your app contains content - or facilitates,enables, and encourages an activity - that is not legal in all of the locationswhere the app is available. Specifically, your app is advertised as a platformto provide paid companionship services.We’ve attached screenshot(s) for yourreference.

Next Steps

We encourage you to review your app conceptand incorporate different content and features that are in compliance with theApp Store Review Guidelines.

22、应用作者名与金融机构名字不一致

针对理财、P2P等金融相关产品,苹果增加规定开发者的名字必须与APP内的金融机构名字保持一致,否则会被拒。

且由同一品牌的金融机构提供服务的APP,必须发布在同一个开发者账号跟名称下。如果你已经代表委托人或者公司发布了这些APP,你的委托人或者公司应该注册iOS开发者账号,并把你添加到他们的开发者账号里,这样你就可以在他们账号下面提交并发布APP了。

附被拒理由原文:

We found that the Seller and/or Artistnames associated with your app do not reflect the name of the financialinstitution in the app and/or its name and metadata.To be appropriate for the App Store, yourapp must be published under a Seller name and Artist name that reflects thefinancial institution brand, as required by the iOS Developer Program LicenseAgreement.

Section 1.2:

"You" and "Your" meansand refers to the person(s) or legal entity (whether the company, organization,educational institution, or governmental agency, instrumentality, ordepartment) using the Apple Software or otherwise exercising rights under thisAgreement. For the sake of clarity, You may authorize contractors to developApplications on Your behalf, but any such Applications must be submitted underYour developer account.

If you have published these apps on behalfof a client, it would be appropriate for your client to enroll in the iOSDeveloper Program, then add you to their development team so you can develop anapp for them to submit under their developer account.

23、应用提供功能过于简单

应用内的功能不能太过单一,苹果虽然理念中提倡“简单”,但并不代表能接受功能不够完善的应用,他们对应用的核心要求,是希望能够给用户更有价值的体验。当然,如果你的产品太有创意,可能苹果的审核员没能理解它的独到之处,这样的情况下,你可以通过申诉来更详细的描述产品优势,以便通过审核。

附被拒理由原文:

We found that your app only provides a verylimited set of features. It only provides an augmented reality reader mechanismwith no other functionality. While we value simplicity, we consider simplicityto be uncomplicated - not limited in features and functionality.

We understand that there are no hard andfast rules to define useful or entertaining, but Apple and Apple customersexpect apps to provide a really great user experience. Apps should providevaluable utility or entertainment, draw people in by offering compellingcapabilities or content, or enable people to do something they couldn't dobefore or in a way they couldn't do it before.

We encourage you to review your app conceptand evaluate whether you can incorporate additional content and features to bein compliance with the Guidelines. For information on the basics of creatinggreat apps, watch the video The Ingredients of Great Apps.If you feel we didn'tunderstand the features of your app, or that we missed key functionality, andyour app was incorrectly rejected, you may appeal to the App Review Board.

最后可加本人微信：wearerockyouuu，通过个人经验及其他方式帮不少朋友搞定了上架难题，欢迎同行对上架进行交流，共同探讨行业前景；