My app has been repeatedly rejected because I do not offer free in-app trials (but offer money-back guarantee on my website) and also do not offer in-apps purchases. I asked if I offered in-app purchases, would the app be approved? No, since I offer 3-day money-back guarantee on website-based purchses, I must ALSO offer a free trial in the app. But I don’t want to offer free trials. I’m ok offering a 3-day money-back guarantee, but Apple says that’s not an option for apps. They insist that I (1) change my business model from 3-day money back guarantee to free trial and (2) purchase a shit ton more infrastructure to handle the audience that free trials attract (I’ve tried free trial business model and it created a lot of use but no more revenue than 3-day money back guarantee). The money-back guarantee seems to weed out a lot of free loaders, at least in this domain — not necessarily others.