The purpose of these terms and conditions is to give you information and guidelines on how the new wellness rewards products, 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
3.2. 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. General Information
4.1. You will be ranked on the leaderboard on the Momentum or Multiply app when you take part in leaderboard challenges.
4.2. The leaderboard will display your ranking in relation to your peer group.
4.3. Momentum Multiply will run several dynamic leaderboards where you will be ranked relative to your peers with the potential to earn HealthReturns based on their ranking.
4.4. Leaderboards will change on a regular basis as other members sync their devices or update any information, so you can expect to have new leaderboards on a regular basis.
4.5. You need to link your compatible device or app regularly.
5. Peer groups
5.1. A peer group will consist of members of similar age, activity level and gender as the member taking part in the challenge, keeping the competition fair and equitable. You will be able to see your ranking on the leaderboard within your peer group.
6. Leaderboard ranking
6.1. You will progress through the leaderboard – starting at Bronze and moving up to Gold – by participating in a specified activity for the specified time period.
6.2. Each level has a specific reward amount linked to it.
6.3. You will be ranked according to your position in relation to other participants in the challenge.
6.4. The level you are on and the amount of HealthReturns you could potentially earn will depend on the ranking within the leaderboard in relation to the specific level.
6.5. Different HealthReturns amounts will be applicable for Momentum Multiply Inspire and Momentum Multiply Inspire Plus.
6.6. Members who rank on Copper to Gold will receive the below allocated HealthReturns for that level:
Multiply Inspire HealthReturns
Multiply Inspire Plus HealthReturns
Gold R1 000
6.7. Momentum Multiply can increased or decreased returns/rewards at any time (with or without notice).
6.8. Momentum Multiply can introduce and/or change challenges on a weekly or monthly basis.
6.9. Momentum Multiply can extend periods of challenges at any time.
6.10. The returns/rewards cannot be transferred, sold, exchanged, ceded to any other person/member.
6.11. First names and no other personal details will be displayed on the leaderboard challenges and trackers.
7.1. You earn HealthReturns for taking part in leaderboard challenges.
7.2. HealthReturns are determined based on your overall ranking at the end of the challenge.
7.3. Members who rank at the top of the leaderboard will earn HealthReturns.
8. Maximum HealthReturns
8.1. The maximum HealthReturns you can earn on a challenge will depend on your ranking within your peer group. This can be viewed on the Momentum or Momentum Multiply app.
8.2. The maximum HealthReturns may vary from challenge to challenge, dependent on the ranking on the leaderboard.
9. Addition to the leaderboard
9.1. Members who are part of a qualifying scheme, fund, plan or benefit and who take part in leaderboard challenges hosted on the Momentum or Momentum Multiply app will be able to see their ranking on the leaderboard.
9.2. You opt into a challenge where you will be added to the leaderboard.
9.3. You will have the opportunity to opt out if you no longer wish to take part in the challenge.
10. Leaderboard challenges
10.1. A leaderboard challenge will consist of events you can compete in on a regular basis. Examples of these events include, but are not limited to, step challenges, calorie contests, stress free days.
10.2. Leaderboard challenges can change monthly and will be updated regularly.
10.3. You will compete with members within your peer group. A member will automatically be added to a challenge.
10.4. You must compete in a challenge to be able to see their ranking on the leaderboard.
11. Pre-requisites for competing in a leaderboard challenge
11.1. You need to have:
11.2. An active Momentum Multiply Inspire or Momentum Multiply Inspire Plus membership.
11.3. You must have the Momentum or Momentum Multiply app (application).
11.4. You must have a registered profile on the app or register a new profile. Please note the Momentum Multiply app terms and conditions will apply, you can find these on the app or on multiply.co.za.
12. Taking part in a Multiply leaderboard challenge
12.1. You will opt into a challenge, after which you can opt out if you want to.
12.2. All upcoming challenges will be displayed on the Momentum Multiply app dashboard.
13. New leaderboard challenge notification
13.1. You will get notifications on the Momentum or Momentum Multiply app or SMSes/emails, where relevant, when there is a new challenge.
14. Commencement and duration
14.1. Leaderboard challenges have challenge specific start and end dates, which are displayed on the Momentum Multiply app.
14.2. After the expiration of the challenge specific end date, a further three (3) days are allowed for you to sync your devices and tallying up. On the third extra days at 23:59 the leaderboard tallies are closed/finalised at which point HealthReturns are allocated.
15. Fees and charges
15.1. It will not cost you anything in addition to your monthly membership fee to take part in the leaderboard challenges
15.1.1. Extra charges and/or fees:
15.2. If you earn HealthReturns, you will pay R40 per year administration fee for your HealthSaver account.
16. Limitations and restrictions
16.1. You can only take part in one challenge at a time and you will only be rewarded for your ranking in one challenge. We may run more than one challenge in a month and you can participate in both challenges as long as you don’t participate in two challenges running at the same time.
16.2. No under 18s are permitted to enter or participate in the leaderboard challenges.
16.3. Momentum Multiply Engage and Engage Plus are excluded.
17.1. 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.
17.2. Download the Momentum Multiply app here:
17.2.1. For apple devices: App Store
17.2.2. For android devices: Google Play
17.2.3. For Huawei devices: AppGallery
17.3. Once you’ve downloaded the respective app, you need to register a profile. All upcoming challenges will be visible on your profile. You will also be able to see your progress on challenges on the app.
18. Termination and cancellation
18.1. You may opt in or out of any challenge.
18.2. Momentum Multiply may cancel or suspend your participation upon investigation proving one of the below:
18.2.1. You breach any of the rules of Momentum Multiply; or
18.2.2. You are using the benefit(s) of the programme in an abusive and/or fraudulent manner.
Momentum Multiply may cancel your participation upon conclusion investigation proving one of the abovementioned breaches.
19. Change to the terms, conditions and rules
19.1. 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.
19.2. Momentum Multiply shall publish the amended terms and conditions on Momentum Multiply’s digital channels or any other manner as Momentum Multiply may determine in its sole discretion.
19.3. You will be provided with thirty days prior notice to any amendments and if you continue to use the Momentum Multiply benefits at the end of the notice period (effective date), you will be deemed to have accepted the amendments.
20. Important disclosures and legal matters
20.1. If you fail to comply with any part of these rules, you will be disqualified and you will forfeit any benefit(s).
20.2. Should we not exercise some or all of our rights or waive certain requirements, this 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.
20.3. 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. Momentum Multiply may at its sole discretion decide who may participate in these benefits/challenges.
20.4. 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.
20.5. If one or more of these rules are invalid, unlawful or unenforceable, such portions will be severable from the body and it will not impact on the validity of remaining rules, which will stay valid.
20.6. You may not transfer or cede or exchange or sell membership, benefit or reward rights to another person.
21. Personal information and privacy
21.2. 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.
22. Contact information
22.1 You can log in to the app, go to Activity > Challenge > Learn More to obtain more information regarding a challenge or you can use the webchat function on multiply.co.za. Alternatively, you can WhatsApp Momentum Multiply on 0861 88 66 00.
23.1 Momentum Multiply’s General Programme Rules shall mean the main terms, conditions and rules for the Momentum Multiply Programme, which will apply to all Momentum Multiply users who use and accept these leaderboard rules.
23.2 Adult dependant means dependants 18 years and older.
23.3 Child dependant means persons aged 17 years and below.
24.1 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.
24.2 The headings in this agreement will not affect the interpretation of it.