最近因3.2.1被拒搞的心烦，看大神们整理的资料，稍做了一些整理备用，后续再修改
进入主题，先贴一下3.2.1被拒回复
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 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).
- A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
- 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).
- 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 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.
7大条，1-3条待会说，
先看4-7条怎么说：
第4条.Your app’s and service’s Terms & Conditions.
释义：您的应用和服务的条款和条件。
回答：这条需要给出平台的服务协议，一般在注册页就需要勾选的，贴出协议查看入口页，上传服务协议附件就搞定了
第5条. In the case of dispute, what resolution mechanism does your app and service offer?
释义：如发生争议，您的应用程序和服务提供什么样的解决机制？
回答：由于不清楚苹果到底说的哪方面争议，那就直接把有争议的3个方面都解释了，万无一失，
（1）说明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、绑卡、购买等，购买成功后会生成具有法律效力的合同，再贴上具体入口、附件上传购买成功的合同范本；
（2）说明用户在使用应用过程中出现疑问时，可通过客服解决，贴上客服入口；
（3）当回款发生逾期时的保障机制，这个机制一般是在购买页，贴上查看入口；
第6条.What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
释义：在这种情况下你有什么责任？这些责任是否在条款中明确规定？
回答：主要是对产品购买前后的责任条款、协议合同的说明，（1）购买前的风险提示；（2）购买成功后的协议合同，贴出关于意外事件、违约责任等部分相关的条款，例如：
第7条.How will the involved parties trace one another?
释义：涉及的责任各方如何追查？
回答：这里主要说的是回款发生逾期时的平台保障措施，无非就是款项追讨和保障专款机制，（1）平台线下有投资经理团队，负责追讨逾期回款；（2）担保机制。总之说清楚用户的钱肯定能准时回来，跑不了就行了。
再看1-3条：
1-3条要求的证照直接贴就行，注意营业执照还需要附国家企业信用信息公示系统（http://www.gsxt.gov.cn/index.html），最好解释下怎么操作。
其中，最难搞的金融许可证，如果是理财平台、且第一次被打回，说明自己不具有P2P属性，请对方提出哪些地方不符合要求，一般再次回复的就是应用内比较好改的点了，这时候恭喜你，成功绕过了金融许可证这倒拦路虎。
如果如果如果，1-3条实在实在搞不到的，就尽快找有照的账号借壳上或者提交新包吧，兄弟，加油！
