If your app offers any in-app subscriptions, Apple requires you to link to a Terms of Service page — both in App Store Connect and inside the app. This is separate from the Privacy Policy requirement.
What Apple said
“Apps offering auto-renewable subscriptions must include Terms of Service. Your app does not include a link to your Terms of Service, or the Terms of Service are not accessible to users before they subscribe.”
Whenever money is involved — subscriptions, trials, one-time purchases — Apple holds you to a higher standard. They want users to know what they're agreeing to before they pay. Your Terms of Service page must be live, publicly accessible, and linked before the user hits the subscribe button.
The fix
BaseTerms generates and hosts all the compliance pages Apple requires. Copy your URL. Paste it into App Store Connect. Done.
One-time payment. No subscription. No renewal fees.