Date last amended: 13 January 2026
1. Purpose
The purpose of these terms and conditions is to give you information and guidelines on how the digital health and fitness assessment, Multiply Inspire and Inspire Plus and Multiply Engage and Engage Plus, will work.
2. Parties and/or participants
2.1. Momentum Multiply – refers to Momentum Multiply Proprietary Limited herein referred to as “We” or “Us” or “Our” or “Momentum Multiply”.
2.2. Member – refers to main member; partner/spouse; adult dependant; child dependant herein referred to us as “you” or “your”.
3. Acceptance of these terms and conditions
3.1. By participating in any Momentum Multiply assessment, you agree to have read, understood and accepted these rules. You also agree to the Momentum Multiply General Programme Rules and all the different sets of terms and conditions related to digital channel usage, privacy policy, status and tiers, partner terms and conditions (channel and product).
3.2. These rules will apply to and bind all Momentum Multiply member(s). Dependants on your membership are also bound by these general rules. Any rule that applies to the main member, will therefore also apply to dependants.
4. Digital health and fitness assessment general information
4.1. You can do a digital health and fitness assessment on the Momentum Multiply app.
4.2. This assessment will measure certain health and fitness markers to give you a Healthy Heart Score and a fitness level.
4.3. Your Healthy Heart Score (HHS) will determine the level of HealthReturns that you will receive.
4.4 Your fitness level will boost your level of HealthReturns that you will receive.
4.5 Both these results will give a rewards level for partner rewards.
5. Eligibility
5.1. Eligibility for a digital assessment is subject to medical aid scheme benefit rules. If it is not approved by the scheme, the in-person health assessment benefit applies.
5.2. You need to meet the following criteria to qualify for this benefit:
5.2.1. Be 18 years and older;
5.2.2. Be a member of Momentum Multiply Inspire, Inspire Plus, or Multiply Engage or Engage Plus;
5.2.3. Members include main members, their spouses or partners and adult dependants;
5.2.4. Have a free health assessment scheme benefit.
6. Validity
6.1. The digital health and fitness assessment results (Healthy Heart Score and fitness level) will be valid for 12 months. In the case where you opted not to proceed with the active fitness section, you will receive a fitness level estimate for 3 months, whereafter you may do an in-person fitness assessment to earn boosted rewards.
7. Calculation of your Healthy Heart Score (HHS)
7.1. The digital health assessment will measure your Healthy Heart Score by calculating the below measurement scores:
7.1.1. Resting heart rate
7.1.2. Blood pressure
7.1.3. Heart rate variability
7.1.4. Body mass index
7.1.5. Smoking status
7.2. After the assessment, you’ll receive comprehensive feedback on each component of the test.
7.3. The calculations of all the measurements are added together to get a final score, which will place you in one of the following categories:
7.3.1. Red: You are at risk, your health is not under control.
7.3.2. Amber-Red: Effort is required, your health is not under control.
7.3.3. Amber: Take care, your health is not under control.
7.3.4. Amber-Green: Your health is under control.
7.3.5. Green: Great result, your health is under control.
7.4. If you score a low Healthy Heart Score when you do their digital health assessment, you can go for an in-person health assessment to see if you can improve your score. If you are part of a qualifying medical scheme, your medical scheme will cover one free in-person health assessment per year. Alternatively, the cost will be R170,35 (VAT included).
Calculations of the active fitness level via digital assessment
The digital health and fitness assessment will measure your fitness level.
The outcome of the VO2max (represents the maximum volume of oxygen an individual can consume during exercise, indicating their aerobic capacity) will give you a fitness level.
8. Rewards based on Healthy Heart Score and fitness level
8.1. You earn HealthReturns based on the result of your health assessment (your Healthy Heart Score) and your fitness level.
8.2. Members with a poor Healthy Heart Score will be required to have an in-person health assessment done to verify the digital health assessment results before they earn HealthReturns.
8.3. HealthReturns are paid for 12 months or as long as the results of the health and fitness assessments are valid.
8.4. HealthReturns will be paid into your HealthSaver account, so you need an active HealthSaver account.
9. Requirement for the digital health assessment
9.1. The digital health and fitness assessment takes approximately 15 minutes and is done on the Momentum Multiply app on your smartphone.
9.2. You need to have the following information with you before the liveness screening will start:
9.2.1. RSA identity card or book; or
9.2.2. Passport.
9.3. Make sure that you have a stable internet connection, connected to mobile data or WiFi and that that your device is compatible with the Momentum Multiply app. These specific costs related to data are for your own account.
9.4. Make sure that there is nothing obstructing your face when you are doing the assessment.
9.5. Follow all the instructions given during the assessment.
9.6. All screening outputs are reliant on the completion of the full measurement and answers provided, therefore incomplete and inaccurate inputs will provide incorrect results.
9.7. You can find a list of supported devices on the Help Centre on multiply.co.za.
10. Fees and charges
10.1. If you earn HealthReturns you will pay a R40 per year administration fee for your HealthSaver account.
11. Limitations and restrictions
11.1. No members under 18 are permitted to engage in this benefit.
11.2 If you are older than 70 years you will receive a fitness level estimate, valid for 12 months.
11.3 If you are pregnant or have any medical conditions, you will not be allowed to do the digital assessment fitness section as supervision is required, and this is a test done at home.
12. Apps
12.1. All engagement for Momentum Multiply Inspire and Inspire Plus and Momentum Multiply Engage and Engage Plus will take place on the Momentum app or the Momentum Multiply app.
12.2. Momentum clients will have access to Momentum Multiply and the relevant products through the Momentum app and all other members will have access through the Momentum Multiply app.
12.3. Download the Momentum Multiply app here:
12.3.1. For Apple devices: App Store
12.3.2. For Android devices: Google Play
12.3.3. For Huawei devices: AppGallery
12.4. Download the Momentum app here:
12.4.1. For Apple devices: App Store
12.4.2. For Android devices: Google Play
12.4.3. For Huawei devices: AppGallery
12.5. Once you’ve downloaded the respective app, you need to register a profile. You will be able to view all your health and membership details on your private profile.
12.6. Please note the Momentum Multiply app terms and conditions will apply, members can find these on the Momentum Multiply app. The Momentum Group Limited KIMI terms and conditions will apply as well, which can be found here kimi.co.za/screening/tcs/. You agree to be bound by both these terms in order to use the service (digital screening).
13. Termination and cancellation
13.1. You will no longer have access to this benefit if your Momentum Multiply membership is cancelled.
13.2. On termination date of the main member’s Momentum Multiply membership, all your rights to the benefits will cease and no refunds of any fees paid will be permitted. Refer to the Momentum Multiply General Programme Rules for details.
13.3. Momentum Multiply may cancel or suspend your benefit upon investigation proving one of the below:
13.3.1. You breached any of the rules of Momentum Multiply; or
13.3.2. You are using the benefit(s) of the programme in an abusive and/or fraudulent manner.
13.4. Momentum Multiply may cancel your benefit upon conclusion of an investigation proving one of the abovementioned breaches.
14. Change to the terms, conditions and rules
14.1. Momentum Multiply may, in its sole discretion and at any time, amend these rules and/or any business rules associated with them in any manner whatsoever. Such amendments may include, but shall not be limited to, amendments to the amounts and percentages referred to in these rules as well as changing the model of the Momentum Multiply programme.
14.2. Momentum Multiply shall publish the amended terms and conditions on Momentum Multiply digital channels or any other manner as Momentum Multiply may determine in its sole discretion.
14.3. Members will be provided with thirty days (30) prior notice to any amendments and if the member continues to use the Momentum Multiply benefits at the end of the notice period (effective date), members will be deemed to have accepted the amendments.
15. Important disclosures and legal matters
15.1. If you fail to comply with any part of these rules, you will forfeit any benefit(s).
15.2. Should we not exercise some or all of our rights or waive certain requirements, it shall not be seen as a waiver of our rights or deprive us from insisting on strict adherence to those terms or any other term at a later stage. You must not assume that this means that the rules have been changed or that it no longer applies to you.
15.3. Momentum Multiply is not responsible/liable for any unauthorised human or technical intervention, or for any transactions that is not processed, executed, saved or transmitted, regardless of the cause.
15.4. Momentum Multiply may at its sole discretion decide who may participate in the digital assessment.
15.5. Any benefit allocated to you considers prevailing legislation and/or any applicable practice. In the event of a change in the applicable legislation and/or practice, Momentum Multiply reserves the right to adjust the benefits accordingly without any reasonable notice to you.
15.6. If one or more of these rules is invalid, unlawful or unenforceable, such portions will be severable from the body and it will not impact the validity of remaining rules, which will stay valid.
15.7. Members may not transfer, cede, exchange or sell membership, benefit or rewards rights to another person.
16. Personal information and privacy
16.1 Momentum Multiply will handle your right to privacy according to the rules and regulations as stipulated here.
16.2 You will be asked to agree to certain privacy settings when registering a profile on the Momentum or Momentum Multiply app. These privacy settings can be updated at any time.
16.3 Your assessment results will be kept confidential and will only be shared with the relevant third parties with your consent. We will not share your results with other members. This will only be visible on your dashboard after you’ve logged in to the app.
17. Contact information
17.1. For Momentum Multiply related queries, you can send a WhatsApp to 0861 88 66 00. Alternatively, you can use the webchat function on multiply.co.za or send an email to multiply@momentum.co.za.
18. Definitions
18.1. Adult dependant means dependants 18 years and older.
18.2. Child dependant means persons aged 17 years and below.
18.3. Momentum Multiply General Programme Rules shall mean the main terms, conditions and rules for the Momentum Multiply Programme which will apply to all Momentum Multiply users.
18.4. Wellness information and personal data shall mean all information and measurements that could be collected, whether through the camera that measures certain vital statistics such as heart rate, respiration*, oxygen saturation* heart rate variability and blood pressure*; and the answers to questions relating to age, gender, medication taken, height, weight and identity number. The measured vital signs are not intended for medical use, including self-diagnosis or consultation with a doctor, and are only designed for general fitness and wellness purposes.
*NOTE that measurements for respiration, oxygen saturation (Sp02) and blood pressure are only available on Android and Huawei smartphones.
19. Interpretation
19.1. In these rules, the singular always refers to plural, as well as the other way around. In these rules references to the masculine gender shall include the feminine.
19.2. The headings in this agreement will not affect the interpretation of it.