The purpose of these terms and conditions is to 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”.
2.3. Momentum Multiply Inspire and Inspire Plus and Momentum Multiply Engage and Engage Plus, herein referred to as the “product”.
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. Lifestyle Quiz general information
4.1. The Lifestyle Quiz is a health and wellness questionnaire made up of five categories: eat, sleep, move, breathe and connect.
4.2. Before going for a health assessment, the quiz provides an indication of your overall health.
4.3. After completing the quiz, you will be rated on each of the sections and given an overall score from 1 to 5 (Super healthy to At risk).
5.1. This functionality on the Momentum Multiply app is available to all main members, their spouses or partners and adult dependants on Momentum Multiply Inspire and Inspire Plus and Momentum Multiply Engage and Engage Plus.
5.2. You must be 18 years and older.
5.3. If you are a Momentum Multiply Inspire or Inspire Plus member, you will earn HealthReturns based on your overall score and membership option.
6.1. The result of the Lifestyle Quiz is valid for three months or until you do a health assessment, whichever comes first.
7. Rewards based on Healthy Heart Score
7.1. As a Momentum Multiply Inspire and Inspire Plus member, you earn HealthReturns based on the result of your Lifestyle Score.
7.2. Multiply Engage and Engage Plus members will not earn HealthReturns or cashbacks for completing the quiz.
7.3. This score will determine the level of HealthReturns and be valid for either three months or until the results are validated with a health assessment.
7.4. If you are on Multiply Inspire and Inspire Plus, you will earn HealthReturns as per the below table:
Overall Lifestyle Score Multiply Inspire Plus Multiply Inspire
Overall Lifestyle Score
Multiply Inspire Plus
8. Fees and charges
8.1. If you earn HealthReturns, you will pay R40 per year administration fee for your HealthSaver account.
9. Limitations and restrictions
9.1. No members under 18 are permitted to engage in this benefit
9.2. You will not earn HealthReturns for the quiz if:
9.2.1. You are a Momentum Multiply Engage or an Engage Plus member; or
9.2.2. You have already received HealthReturns for doing the Lifestyle Quiz; or
9.2.3. You have an active health assessment with a valid Healthy Heart Score you’ll be paid for this result and not for the Lifestyle Score.
9.2.4. You are not HealthReturns compliant, which will include but not limited to:
18.104.22.168. You are not taking your chronic medication;
22.214.171.124. Your glucose levels are too high (you will be required do a blood glucose test); and
126.96.36.199. Your cholesterol levels are too high (you will be required do a cholesterol test).
10.1. 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.
10.2. 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.
10.3. Download the Momentum Multiply app here:
10.3.1. For apple devices: App Store
10.3.2. For android devices: Google Play
10.3.3. For Huawei devices: AppGallery
10.4. Download the Momentum app here:
10.4.1. For apple devices: App Store
10.4.2. For android devices: Google Play
10.4.3. For Huawei devices: AppGallery
10.5. Once you’ve downloaded the respective app, you need to register a profile.
10.6. All upcoming challenges will be visible on your profile.
10.7. You will also be able to see your progress on challenges on the applicable app.
10.8. Please note the Momentum Multiply app terms and conditions will apply, you can find these on the app.
11. Termination and cancellation
11.1. You will no longer have access to this benefit if your Momentum Multiply membership is cancelled.
11.2. On the termination date of the main member’s Momentum Multiply membership, all members’ 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.
11.3. Momentum Multiply may cancel or suspend your benefit upon investigation proving one of the below:
11.3.1. You breach any of the rules of Momentum Multiply; or
11.3.2. You are using the benefit(s) of the programme in an abusive and/or fraudulent manner
11.4. Momentum Multiply may cancel your benefit upon conclusion investigation proving one of the above-mentioned breaches.
12. Change to the terms, conditions and rules
12.1. 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.
12.2. 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.
12.3. 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.
13. Important disclosures and legal matters
13.1. If you fail to comply with any part of these rules, you will be disqualified and you will forfeit any benefit(s).
13.2. Should we not exercise some or all of our rights or waive certain requirements 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.
13.3. 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.
13.4. Momentum Multiply may at its sole discretion decide who may participate in these benefits/challenges.
13.5. 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.
13.6. 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 on the validity of remaining rules, which will stay valid.
13.7. You may not transfer or cede or exchange or sell membership, benefit or reward rights to another person.
14. Personal information and privacy
14.1 Momentum Multiply will handle your right to privacy according to the rules and regulations as stipulated here.
14.2 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.
15. Contact information
15.1 Use the webchat function on multiply.co.za. Alternatively, you can WhatsApp Momentum Multiply on 0861 88 66 00.
16.1. Adult dependant means dependants 18 years and older
16.2. Child dependant means persons aged 17 years and below
16.3. 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 who utilise and accept these rules.
17.1. 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.
17.2. The headings in this agreement will not affect the interpretation of it.