Momentum Multiply Terms & Conditions

        General programme rules

1. How these rules impact Multiply Member(s) (defined hereafter)

1. 1. When Multiply Member(s) participate in any Multiply programme, it means they have read, understood and agreed to these rules. The member also agrees to 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).
   2. These rules will apply to and bind all Multiply Member(s).
   3. The benefits and rewards of the Multiply programme (defined hereafter) can only be used for leisure and not business purposes.
   4. Momentum Multiply Private Limited (We or Us or Momentum Multiply) may amend the rules from time to time.

2. Definitions

1. 1. Multiply is a wellness and rewards programme offered by Momentum Multiply that empowers and motivates South African families to save more, live healthier and be safer on their journey to success and happiness. This is done by offering engaging wellness and safety solutions, securing access to various wellness, safety and leisure facilities and services, and by offering benefits at various providers to incentivise and reward their wellness behaviour. This programme is managed and operated by Momentum Multiply (Pty) Ltd.
   2. Multiply Member(s) shall refer to individuals of all role types who have been enrolled on Multiply. All Multiply Members can only belong to a single paid Multiply Plan.
   3. Student means a child (by law, adoption or fostering), who is financially dependent on the Main Member, does not have his/her independent source of income and is between the ages of 18 to 25 years. A Student must have a valid RSA ID number or a passport number.
   4. Adult Dependant refers to natural persons that are at least 18 years old and are listed as a dependent on the Main Member’s Momentum Medical Scheme plan or other qualifying medical schemes. Adult dependants exclude spouses and/or partners of the Main Member. Members on the Main Member’s Momentum Medical Scheme or other qualifying medical scheme plan can be added to their Multiply membership as an Adult Dependant upon request of the members. A confirmation of membership of the relevant medical scheme may be requested upon initial application to the programme to ensure the addition of members to the Multiply Plan. Confirmation of membership from the medical scheme may also be requested by Momentum Multiply on an annual basis.
   5. Benefit shall mean such benefits as the Multiply Member may be eligible for, based on the Multiply Plan specified on the confirmation of membership and shall include various discounts, cashbacks and points which the Multiply Member becomes eligible for or is entitled to due to his/her membership under the Multiply Plan.
   6. Child shall refer to a dependant who is under the age of 18 years and is a Main Member's/Partner’s natural child or legally adopted child. A Child must have a valid RSA ID number or a passport number. A child can only belong to one membership.
   7. Main Member refers to the member who has been enrolled as the Main Member on Multiply and specified on the membership as the Main Member. A Main Member must be at least 18 years old and have a valid RSA ID number or a passport number. The Main Member must be able to provide contactable details (i.e. email. cellphone number, home phone number) at the point of signing up for the programme.
   8. Personal information collected by Multiply can include, but is not limited to, a data subject’s name, contact details, birth date, identity number, gender, employment details, marital, family, policy, bank account, wearable device information, medical and/or health information.
   9. Momentum Products shall refer to any product that a client may have that is part of the Momentum brand, including life insurance, short term insurance, health insurance, investments and corporate benefits.
   10. Qualifying Products shall refer to any Momentum product and/or products offered by any company outside of the Momentum Metropolitan Group whose product is recognised by Momentum Multiply as a qualifying product from time to time.
   11. Multiply Partner shall refer to companies which under agreement/arrangements with Momentum Multiply have agreed to offer to Multiply Members discounts/incentives on its products and/or services under Multiply.
   12. Plan shall refer to Plan issued to the Multiply Member(s) as specified on confirmation of membership. A plan can refer to Premier, Provider or Starter.
   13. Multiply Status refers to the status linked to the Multiply membership based on either points-earning activities in the current year, or a carried over status from the previous year.
   14. Rewards shall mean the rewards to which a Multiply Member becomes eligible for on account of him/her being a Multiply Member and their Multiply Status from time to time.
   15. Partner refers to a legally married spouse or life partner of the Main Member and who is enrolled on Multiply. A Partner must be at least 18 years old and have a valid RSA ID number or a passport number. The Partner must be able to provide contactable details (i.e. email, cellphone number, home phone number) at the point of signing up for the programme. The role of a Partner may not be changed to an Adult Dependant to benefit from the point structure. Only one partner is allowed per membership.

In these rules, the singular always refers to plural, as well the other way around. In these rules references to the masculine gender shall include the feminine.

3. Multiply Membership

Who can take membership of Multiply?

1. 1. A person who has a Momentum product or who is a member of another qualifying medical scheme.
   2. A person who, at the time of enrollment, holds any of the Qualifying Products or satisfy such other criteria as may be laid down by Momentum Multiply in its sole discretion.
   3. Multiply reserves the right to, from time to time, via a campaign, allow clients to join Multiply without owning any Qualifying Product.
   4. If a member joins without a Qualifying Product as part of a campaign, the member has to adhere to the rules of the campaign. These rules may include the period within which a member has to sign up for a Momentum Product to avoid termination of membership.
   5. A member can be part of the Starter plan, as well as the Provider or Premier plan. A member cannot be on Provider and Premier at the same time. The benefits of the Provider/Premier plan always supersede that of the Starter plan that the member is on. The member can only be on one active Premier or Provider plan.
   6. If a member is the main member of the Momentum Medical Scheme plan, the member needs to inform Momentum Multiply if the roles and dependants on the Momentum Medical Scheme plan should be synched to that of the Multiply plan to accommodate any future changes to dependents. This does not however restrict the right of Momentum Multiply Pty (Ltd) to request confirmation of member dependence, member confirmation may be done at least once a year or upon any changes to the Momentum Medical Scheme plan noted.

4. When does the Multiply Plan start?

1. 1. After all required information and documentation was supplied the membership can either start immediately or on the date requested by the member.
   2. The Multiply Plan will start on the start date mentioned on the confirmation of membership.

5. Membership fees

1. 1. Membership fees will be payable to Momentum Multiply.
      1. Membership fees may be increased or decreased, as the case may be, by Momentum Multiply in its sole discretion, and will be applied to existing Multiply Members on an annual basis at the beginning of each year.
      2. Payment frequency will be monthly or such other frequency determined by Momentum Multiply from time to time.
      3. Monthly membership fees will be guaranteed for the year.
      4. Fees are inclusive of Value-Added Tax (VAT). The provisions of the Value-Added Tax Act 89 of 1991 and subsequent amendments will be applicable.
      5. Any change in membership fees will be communicated to members at least one month in advance.

Individual business:

1. 1. 1. Membership fees are payable in advance on the date of the member’s choice, once per month.
      2. Membership fees are calculated by the Multiply Plan type selected and the number of members of different role types on the Multiply Plan.
      3. On membership activation the time period between the initial activation date and end of that initial activation month will be free.

Group business:

1. 1. 1. Membership fee may be paid monthly in advance or monthly in arrears.

1. 2. Payment options:

Membership fees may be paid via:

Individual business:

1. 1. 1. Individual Debit order
      2. Payroll deduction (if your company has a Stop Order agreement in place with Multiply).

Group business:

1. 1. 1. Company Debit order
      2. Stop order

6. Identification

1. 1. Multiply Members may be identified by the Multiply Partners through use of their online profile credentials, RSA ID number, client number or membership number, or by such other mode as may be prescribed by Momentum Multiply to the Multiply Member from time to time which may be specific for each or a group of Multiply Partners.
   2. The identification process for the Multiply Members shall be as specified in the specific rules for that Multiply partner.

7. Eligible Benefits

1. 1. Multiply Members will be eligible for the benefits as per the Multiply Plan specified on the confirmation of membership, as long as the membership is active (and not suspended or terminated).

8. Multiply Benefits

1. 1. Momentum Product Rewards
      1. Members that contribute to the improvement of the status may earn Momentum Product Rewards (Main Member and Partner).
      2. The discount and/or cashbacks that members can receive for each Momentum product is defined per product and can be found here.
      3. Product house (Momentum Medical Scheme, Momentum Car and Home Insurance, Myriad, FundsAtWork, etc.) discounts are calculated within the respective product houses and changes to these earnings are managed in the product houses.
      4. Multiply Money operates separately from Multiply and members should take note of the separate Terms and Conditions that are published for this product, which can be found here.

1. 2. Multiply Partner Rewards

These Rules shall apply in conjunction with Benefit Rules specific to each Multiply Partner.

1. 1. 1. Momentum Multiply has entered into arrangements with Multiply Partner(s) for the purposes of providing benefits under Multiply.
      2. Multiply Members will earn discounts and/or cashbacks, or be entitled to such other privileges as may be published by Momentum Multiply from time to time from the Multiply Partner(s).
      3. The member roles that qualify for each of the Multiply Partners rewards are specified per partner and can be found here.
      4. The discount and/or cashbacks that members can receive for each Multiply Partner is defined separately and can be found here.
      5. Depending on the number of members on the membership, as well as the roles of these members, the membership will be bound to limits on the different categories of Multiply Partner Rewards. These are specified by per reward type and spending category, as listed here.
      6. The manner of earning/gaining/credit of the Rewards/Discounts/Benefits under Multiply shall be specific to each Multiply Partner and/or as specified by Momentum Multiply from time to time on its digital channels or as provided in the Multiply Partner’s Website.
      7. Cashbacks will accrue to the Multiply Member within such time and duration as may be specified with respect to each Multiply Partner from time to time.
      8. Multiply Members may use their cashbacks using the payment and transfer mechanisms available as part of Multiply Money in the health and retail industries, as listed here and here.
      9. Benefits may only be applied in terms of these rules.
      10. Benefits provided will also be governed by the Multiply Partner’s terms and conditions.
      11. Momentum Multiply may, in its sole discretion, terminate, cancel, amend or vary the Multiply Partners and adjust benefits accordingly.
      12. Multiply Members will not qualify for benefits in respect of a Multiply Partner who has been terminated or has withdrawn from participating in Multiply.
      13. Benefits are available only in South Africa.

1. Multiply Status and Points

1. 1. Introduction
      1. The Multiply Statuses for Multiply Premier are: Bronze, Silver, Gold, Platinum and Private Club.
      2. Some of the Multiply benefits depend on the Multiply Status of the membership.
      3. The higher the Multiply Member’s Status, the more benefits they can enjoy.
      4. If Multiply Status changes upwards or downwards, the Multiply benefits that depend on the membership status may also change.
      5. The Multiply Status is determined and applied at membership level to all family members who are Multiply Member(s) on the same membership.
      6. At the end of every year, Multiply memberships will retain the Multiply Status earned in that year for the duration of the next year. The Multiply Status of the membership will be adjusted to a lower level if the members do not earn enough Points to maintain their current Multiply Status during the year.

1. 2. Points
      1. Multiply Members can earn Points by undertaking health, safety and money management activities and/or by participating in various wellness initiatives or activities defined under the programme.

1. 3. Moving up through the Multiply Status levels
      1. New Multiply Member(s) will enter the programme and start on Bronze Status.
      2. The number of Multiply Members on the Multiply membership will determine the number of Points required to move up the different Multiply Statuses.
      3. The Main Member and Partner contribute to the Points on the membership and are the only two roles that can therefore improve the status of the membership.
      4. To move up a Multiply Status, Multiply Members must earn enough points to reach the relevant Multiply Status threshold.
      5. At the beginning of a new year, the membership may start on a status that was carried over from the previous year, but the membership will have zero points for the year.
      6. The points-contributing members on the membership will have to earn sufficient points during the year to keep their carried-over status.

1. 4. Thresholds
      1. To illustrate how a membership can move through statuses, what follows are examples of the points that different compositions of Multiply memberships will earn:
         1. If the Main Member is the only points-earning member on the membership, the threshold for one adult applies to move up a Multiply Status.
         2. If there are two points-earning members on the membership (Main Member and Partner), the threshold is double that applicable for an individual member to move up a Multiply Status.

10. Suspensions

1. 1. If the Multiply Member has not paid the membership fee when due, Momentum Multiply will suspend the Multiply membership after the second failed payment.
   2. The Multiply Member will continue to accumulate Points, but cannot redeem any Product or Partner benefit under the Multiply Plan until the membership has been activated again.
   3. The Multiply Member will not eligible to receive any partner discounts or cashbacks for transactions at qualifying partners for the period that the membership is suspended.
   4. The Multiply Member has up to and including 30 days after the membership has been suspended to pay the outstanding membership fees and have his/her Multiply membership activated again.
   5. Activation of a suspended membership will result in the allocation of valid Points earned during the suspended period.
   6. Activation of a suspended membership will not result in the arrears calculation and allocation of discounts or cashbacks for the period that the membership was suspended, neither will product rewards and discounts be allocated retrospectively.

11. Termination of membership or benefits

1. 1. If the Multiply Member does not pay the outstanding membership fees within 3 months from it being due, the suspended Momentum Multiply membership will be terminated.
   2. Once a Multiply membership has been terminated after the third month of unpaid membership fees, the membership cannot be activated again. All Points earned during the suspended period will be lost. If the member wishes to enrol for Multiply again, they will have to start a new membership on Bronze status with no Points or cashbacks.
   3. The Main Member may cancel the Multiply Plan at any time during the month. The cancellation will be effective at the end of the month of cancellation. No refunds will be made to members for the period between the date the cancellation was requested and the date that the cancellation is effective.
   4. After the cancellation of a Multiply Premier Plan on request of the Main Member, the members on the plan may still have an active Multiply Starter plan.
   5. Momentum Multiply may cancel or suspend Multiply Members’ membership upon conclusion of investigation proving one of the below:
      1. Multiply Members breach any of the rules of Multiply; or
      2. Multiply Member(s) are using the benefit(s) of the program in an abusive and/or fraudulent manner.
   6. In the event of termination or cancellation, Multiply Member shall not be eligible for any Product or Partner benefit under the Multiply Plan.

12. Termination of qualifying Momentum products

a member cancels either the Momentum product that was bought in conjunction with a Momentum Multiply Plan and/or the existing Momentum product that was deemed as a Qualifying Product for Momentum Multiply at the point of application, the cancellation of the Momentum product or the Qualifying Product will not result in the automatic cancellation of the Multiply membership. The Multiply membership will continue until the member requests a cancellation by notifying Momentum Multiply of the intent to also cancel the Multiply Plan.

the member did not communicate the request for cancellation to Multiply within 1 month, no refunds will be made to members for the period between the cancellation of Momentum Product and/or Qualifying Product and the date that the cancellation of the Multiply membership is effective.

a member joined Multiply without a Qualifying Product as part of a campaign, and the member did not adhere to the campaign rules that state the period in which a member has to sign up for a Momentum Product, the member will be notified three months in advance. The membership will be cancelled at the end of the three months if the member still did not sign up for a Momentum Product.

a member applied for and joined Multiply with a Qualifying Product, but the Qualifying Product is not taken up, cancelled or not issued, the Multiply membership will also be terminated and membership fees will be refunded. No benefit shall become payable under this Multiply Plan.

13. Movement between Multiply Plans

1. 1. Multiply Members will be able to upgrade from one Multiply Plan to another Multiply Plan with higher membership fees. Points and Multiply Status earned will be retained when Multiply Member(s) upgrade to another Multiply Plan with higher membership fees.
   2. Multiply Members can downgrade from the existing Multiply Plan to another Multiply Plan with lower membership fees.
   3. All plan movements will be effective at the end of the month that it was requested in.
   4. Multiply Premier or Multiply Provider Memberships that are cancelled by the Main Member will result in a movement of the members on the plan to the Multiply Starter plan.

14. Factors that affect the membership

1. 1. Marriage

If two Multiply Members marry each other:

1. 1. 1. They have the option to retain their respective Multiply Plans or to cancel any one of the Multiply Plans and enrol the other Multiply Member on the prevailing Multiply Plan as a Partner.
      2. No Multiply Member is allowed to be a Main Member on one membership and a Partner on another membership, but has to select a single membership to belong to.
      3. Membership fees: The Multiply Member being enrolled on the prevailing Multiply Plan will incur the latest applicable membership fees on a pro-rata basis. From the month following the request, the adjusted membership fees will apply.
      4. Points: Points earned by the member moving across to the other membership during the during the year on the cancelled Multiply Plan will be credited in the continuing Multiply Plan.
      5. Multiply Status: The Multiply Status that the continuing Multiply Plan attained in that particular year will be maintained for the remainder of the year, as per the standard rules regarding Status. Should the number of Points earned by the Members not be sufficient to meet the new threshold to retain the particular Multiply Status at the end of the Multiply Plan year, the Multiply Status will be adjusted accordingly at the start of the following Multiply Plan year.
      6. Points: Multiply Member specific Points will be carried over to the new Multiply Plan.

1. 2. Demise

In case of the demise of the Main Member, the following shall apply:

1. 1. 1. 1. For Single memberships and Family memberships where no Partner or Adult Dependants exist on the Multiply Plan:
            1. The Multiply membership will be terminated
         2. For Family memberships with a Partners and/or Adult Dependant members on the Multiply Plan:
            1. The Partner or Adult dependant will be informed of the opportunity to continue the Multiply membership.
            2. The Multiply plan may be transferred to the Partner or Adult Dependant upon request.
            3. The removal date of the demised Main Member will be the date on which the death certificate is received by Multiply.
            4. If there is no transfer request, the membership will be terminated.
            5. All benefits accrued will remain intact and will be re-calculated based on the Multiply plan composition.

In the case of demise of any other member on the membership, the following shall apply:

1. 1. 1. 1. The Main Member can request Momentum Multiply to remove this member from the Multiply Plan
         2. The removal date of the demised member will be the date on which the death certificate is received by Multiply.
         3. All benefits accrued will remain intact and will be re-calculated based on the Multiply plan composition.
         4. If the Main Member requests a refund for a period of time for a deceased member, the Main Member has to provide Momentum Multiply with a death certificate.

1. 3. Divorce or separation

In the case where a Main Member and partner get divorced or separated and both parties want to continue as Multiply Member(s) on separate Multiply Plans, the following will apply upon request by the Main Member:

1. 1. 1. On the Main Member’s Multiply Plan:
         1. Removal of the Partner from the Multiply Plan.
         2. Removal of points earned by such Multiply Members.
         3. Change thresholds and spending limits based on roles defined on the Multiply Plan.
         4. Current earned Multiply Status remains the same.

1. 1. 2. On the Partner’s Multiply Plan:
         1. The Partner that is removed from the Multiply Plan has to apply for a new Multiply Plan within 30 days of being removed from the previous membership if he/she wants to carry over any benefit from the previous membership.
         2. If the application is received within 30 days of removal, the Multiply Status of previous Multiply Plan will be retained.
            1. Multiply earned Status will be carried over to the new Multiply Plan.
            2. Points will be reset to zero on the new Multiply Plan.
      3. This member will be the Main Member on the new Multiply Plan.
      3. The Children and/or Adult Dependants will only be allowed to be associated with either the Main Member or the Partner’s membership, not both.

15. Limitation of Liability

1. 1. Momentum Multiply and/or its subsidiaries, holding company/ies, agents and authorised representatives do not accept responsibility for the accuracy of representations, information, advice, guidance, products and services provided by the Multiply Partners or financial advisers in any form whatsoever.
   2. Momentum Multiply shall not incur any liability for acts or omissions of any party, including but not limited to Multiply Partners, relating to the use of the Multiply programme.
   3. Information contained on Multiply Partner websites is made available without any express, implied or tacit representation of warranty whatsoever, and Momentum Multiply disclaims liability for any expense incurred, or any damage or loss sustained which may or could arise from direct, indirect, special, incidental, consequential or punitive damages and which may be attributable, directly or indirectly to the use of or reliance upon any information, links or services provided through the Momentum Multiply digital channels and emanating from either contract, delict, taxation or any applicable legislation.
   4. Momentum Multiply will take reasonable care to prevent loss or damage to Multiply Members. Momentum Multiply will not be liable for any loss or damage related to a Multiply Member’s use of the Multiply programme and the use of any goods or services provided through the Multiply programme.
   5. The Main Member, Partner and Dependants indemnify Momentum Metropolitan Holdings (MMH) and its subsidiaries (of which Momentum Multiply (Pty) Ltd is part of), associated retirement funds, agents and authorised representatives against any loss suffered, including but not limited to a loss of money, on account of any wilful default, negligence, fraud or misrepresentation or abuse or any illegal activity.
   6. Multiply Members are fully responsible for any tax implications arising from or associated with any discounts, rewards, benefits received, accumulated or spent due to the Multiply Member being a member of, or participating in, the Multiply programme. Multiply Members are advised to obtain their own tax advice regarding any benefit they may receive in terms of these rules. Momentum Multiply will not be responsible for any tax consequences that may arise.

16. Legal matters

1. 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 Multiply programme.
   2. Momentum Multiply shall provide the Multiply Members with reasonable notice of any such intended amendment by publishing the details thereof on Momentum Multiply digital channels or any other manner as Momentum Multiply may determine in its sole discretion.
   3. Momentum Multiply may at its sole discretion decide who may participate in the Multiply programme.
   4. Any Benefit allocated to a Multiply Member takes into account 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 Multiply Members.
   5. Multiply Members have no legal relationship with Momentum Multiply or Multiply, other than being bound by these rules, which will stay valid.
   6. If one or more of these rules is invalid, unlawful or unenforceable, it has no impact on the validity of remaining rules, which will stay valid.
   7. References to any literature, including but not limited to digital channels, does not mean Momentum Metropolitan Holdings (MMH) and its subsidiaries (of which Momentum Multiply (Pty) Ltd is part of), agents and authorized representatives, accept responsibility for the accuracy of the content of such literature.
   8. The Multiply Member acknowledges and understands that Momentum Metropolitan Holdings (MMH) and its subsidiaries (of which Momentum Multiply (Pty) Ltd is part of), associated retirement funds, agents and authorized representatives will not be responsible for any loss or damage suffered by the Multiply Member arising from any cause whatsoever in respect of the Benefits.

17. How to report a complaint and/or query

1. 1. Any query and / or complaint arising out of or in connection with Momentum Multiply and/or its programme and the documentation associated therewith shall be referred to Momentum Multiply customer care department, at the following address: 268 West Avenue, Centurion, 0157
   2. All queries and complaints shall be addressed in accordance to the Market Conduct and Complaints Group Framework.
   3. Momentum Multiply will within 24 hours upon receipt of complaint acknowledge receipt thereof and promptly inform a complainant of the process.
   4. Momentum Multiply will attempt to resolve a query within 5 business working days; should the query not be resolved within the stipulated timelines Momentum Multiply will escalate the query to the Escalation Team and this will be logged as a complaint.
   5. Momentum Multiply will disclose to a complainant expected turn-around times in relation to complaints.
   6. Momentum Multiply will attempt to resolve the complaint within 30 (thirty) business working days; a decision will be provided to the complainant in writing.
   7. Should the 30 (thirty) business working days lapse Momentum Multiply will inform the complainant of the reasons of why the complaint has not been resolved within the prescribed period of 30 (thirty) days. Where the complaint is upheld any commitment by Momentum Multiply to make compensation payment, goodwill payment or take any other action will be carried out without undue delay and within any agreed timeframe with the complainant. Where a complaint has been rejected, the complainant will be provided with clear and adequate reasons for the decision. The complainant has 90 business working days within which to they can accept or reject the decision/outcome in writing.
   8. Should the member not be satisfied with the resolution or the decision made after following the internal complaints handling and escalation process the member may lodge the complaint with National Consumer Commission (NCC) under the Consumer Protection Act. Momentum Multiply will provide the NCC contact details (012 428 7000/email: [email protected]) to member in writing as part of the correspondence of the final decision made.  
   9. Momentum Multiply will make available to the member the Momentum Multiply website (www.multiply.co.za) or the Multiply client contact centre number (0861 88 66 00) whereby a member can call or WhatsApp Momentum Multiply; members may complete the 'Call me back' form on www.multiply.co.za so that Momentum Mutiply can contact the member.
   10. The member may lodge a query to Multiply through the Momentum website (www.momentum.co.za), which will handled in accordance to the Multiply query handling and escalation process.

18. Personal information

1. 1. Momentum Multiply will make sure that the Privacy Notice is made available on the Multiply website (www.multiply.co.za) and will update it from time to time in line with business and regulatory changes.
   2. By participating in the Multiply programme (Premier, Provider and/or Starter) the member consents to the processing and retaining of personal information submitted by the member, the financial adviser or the Multiply service provider of all members (i.e. partner, dependants) on their programme and that this information may be shared within the Momentum Metropolitan Holdings Group and Multiply service providers for the purpose of carrying out the actions for Multiply to allocate Multiply benefits  which shall include various discounts, cashbacks and points.
   3. Where a minor is included in the Momentum Multiply programme, Momentum Multiply will obtain consent from the minor’s guardian for the processing and retention of the minor’s personal information.
   4. For the purpose of carrying out the actions for Multiply to allocate Multiply benefits which shall include various discounts, cashbacks and points, Multiply will make members aware of their right of access, update or correct their personal information.
   5. Momentum Multiply will make available a platform(s) for members to access, correct and/or update their personal information.
   6. Momentum Multiply prior to processing special personal information (SPI) must obtain consent from the member. Special personal information refers to religious or philosophical beliefs, race or ethnic origin, trade union membership, political persuasion, health or sex life or biometric information, criminal behaviour of the data subject.
   7. Instances where Momentum Multiply members that have joined the programme under a corporate fund, corporate/medical scheme, Momentum Multiply will be required to obtain consent for the processing, retaining and sharing of member information.
   8. Momentum Multiply may use member(s) information for historical, statistical and research purposes only when consent has been obtained from the member(s). Appropriate security measures should be implemented to safeguard the information and the information used should be kept confidential and anonymous so as to not compromise the privacy of the member(s).

19. Physical addresses for legal notices

1. 1. The Multiply Member's address for purposes of legal notices and proceedings and with regards to the giving of any notice provided for or necessary in terms of these rules will be the postal or physical address as supplied or updated by the member in the application form or on any Momentum Multiply platform. Momentum Multiply will use the most recently updated information as supplied by the member.
   2. Momentum Multiply will not use emails for the purpose of sending legal notices and proceedings.
   3. Momentum Multiply’s contact details including physical and postal address shall be made available on the Multiply digital channels.

1. What is Active Dayz™

• Active Dayz™ allows Multiply members to earn points and benefits for tracking their physical activity with gym visits, steps, event completion and through calorie tracking with supported activity tracking devices.

2. Who may use this benefit?

• This benefit is available to principal members and their spouses/partners on Multiply Premier, Multiply Provider and Multiply Starter.

3. How to earn an Active Dayz™?

• Members can get an Active Day in the following ways:

1. One gym visit per day (Virgin Active, Planet Fitness, Affiliated gyms, Curves, GoHealth, World of Golf, Golf Villages)
2. 300 calories or more logged via a supported activity tracking device or mobile app, per exercise session.
3. 10 000 steps or more logged with a supported activity tracking device linked to the Multiply profile.
4. Complete a qualifying event (claimed via Entrytime online).

4. How to earn points for Active Dayz™:

• Multiply Provider and Multiply Premier members can earn 1 point per day for an Active Day.
• Multiply Starter members do not earn points.
• Member can get one Active Day per day.

5. Accessing the Active Dayz™:

• Members must register their new device on the manufacturer’s website and follow their guide to obtain a username and password if they do not have one.
• Members must then Log on to the Multiply website and select ‘link your device’ from the ‘Get Active’ menu or the quick navigation.
• Members can Select their device from the list and enter the username and password that they use to log on to the device’s website/app.
• Members must remember to regularly upload their device data using the device’s website or app.

6.  Product benefits:

• Multiply Premier members can access a number of product benefits, through the use of Active Dayz™ and Healthy Heart Score:
• 60% back in EmployeeReturns on qualifying FundsAtWork insurance premiums;
• 60% back on Myriad insurance premiums; and
• R2 500 per month per family in Health Returns from Momentum Medical Scheme.

7. List of supported devices and apps for Active Dayz™:

• Click here for the full list of supported devices and app.

8. Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

9. Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

10. Claiming Active Dayz

• If members earn Active Dayz in one year and claim them in another, they have only three months to claim their Active Dayz. For example, if they earn the Active Dayz on 1 December, they must claim them by 1 March. If they do not claim the Active Dayz within this period, Multiply will not award the Active Dayz.

1.What is the benefit?

• Members earn a 20% discount on ADT installations through Multiply.

2. Who may use this benefit?

• This benefit is available to all members on Multiply Premier, Multiply Provider and Multiply Starter. 

3. How this benefit works:

• Multiply members can access this benefit by calling the ADT call-centre and booking an appointment on 086 010 0911.
• Members will then be required to provide the call-centre agent with their place of residence, ID number (or passport number) and Multiply membership number in order to verify their membership and confirm the booking.
• An ADT agent will visit the member’s place of residence, verify that the member’s Multiply membership details in person and provide a quotation as well as the applicable Multiply member discount.
• If the quotation is accepted, members will then pay the reduced installation cost directly to ADT, for the required installation.

4. Benefit rules:

• This benefit is only available to main members/policyholders and spouses/partners as listed per the Multiply contract/plan.
• This benefit has no maximum spend limit for members. 
• This benefit excludes existing Fidelity ADT subscribers who pay ongoing monthly premiums to Fidelity ADT, as well as rented or leased systems.
• Installations are restricted to member’s registered places of residence.
• ADT installations include all residential intruder systems and devices, excluding electric fences and Viewprotect products.
• Members can contact the Multiply service-centre on 0861 886 600 for further information. 
• Standard ADT Terms and Conditions apply.

1. What is the benefit?

• Members get up to 45% discount on accommodation at African Pride Hotels in South Africa.

2. Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on Multiply Premier.
• This benefit is not available to Multiply Starter or Multiply Provider members.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

 
3. How this benefit works:

• Members receive following discount on accommodation at African Pride Hotels in South Africa, based on their Multiply status:
   

4. Benefit rules

• Hotel accommodation booked through Multiply is for leisure purposes only.
• Members may not use this benefit for more than 40 days per family member in one calendar year (January to December). This includes bookings at Protea Hotels. 
• Room bookings must be for a minimum of three consecutive nights, or two consecutive nights, which include a Saturday night.
• Discounts apply to the best room rate available at the time members make a booking. The rate will change depending on the season. Discounts do not apply to any specials or promotional rates.
• The room rate does not include any extra expenses, like extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and Multiply will not accept any changes.
• Multiply members with a single membership are only allowed to book a single room. An additional nominal rate is charged for an extra person. This rate may vary between hotels. 
• Multiply members with family memberships can book a double room with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room. Members must pay the additional fee directly to the hotel. 
• Children under the age of 12 years stay for free if they share a room with their parents. Please confirm at the time of reservation if the selected room is able to accommodate children.
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr’s note confirming hospitalization is produced.  Please call the Multiply Travel Desk on 0861 100 155.

 
5. How to use this benefit – booking accommodation

• Members must book through the Multiply Travel Desk at least three days before need the accommodation, by:
• phoning 0861 100 155, or
• sending an e-mail to [email protected].
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of African Pride Hotels, visit www.africanpridehotels.com.
• Multiply will e-mail the African Pride Hotels voucher to the member.

 
6. Paying for your accommodation

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

 
7. Changing or cancelling a booking

• African Pride Hotels’ standard rules for changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved.
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

8.General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• For any combination booking (flights and/or accommodation), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www. multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

 
9. Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.africanpridehotels.com 

10. African Pride Hotels queries

• If members have any queries about African Pride Hotels, they can contact them by:
• phoning: 0861 11 9000, or
• visiting: www.africanpridehotels.com.

11. Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

 
12. Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to:[email protected], or
• visiting: www.multiply.co.za.

 
13. Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1. What is the benefit?

• Members get up to 40% discount on car rental from Avis.

 
2. Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on the Multiply Starter, Multiply Provider and Multiply Premier.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

 
3. How this benefit works:

• Members receive the following discounts based on their status/level:

4. Benefit rules:

• Car rental booked through Multiply is for leisure purposes only. 
• Only the Multiply principal member and their spouse/partner qualify for this benefit.
• Discount applies to the best available rate at the time of the booking. 
• Bookings must be for a minimum of three consecutive weekdays, or two consecutive weekend days. Avis weekend rules at the time of the booking will apply. 
• Members must book a minimum of 24 hours prior to vehicle collection.
• Multiply Premier members may not use this benefit for more than 40 days for each family member in one calendar year (January to December). After 40 days, members will receive a 7.5% discount for the rest of the year (unlimited).
• Multiply Provider members may not use this benefit for more than 20 days for each family member in one calendar year (January to December). After 20 days, members will receive a 7.5% discount for the rest of the year (unlimited).
• Avis Chauffeur Drive will count as one day per booking (requested through the AVIS website).
• Members must be over the age of 18 years to rent a vehicle, must have a valid credit card and an unendorsed drivers licence, valid for at least one year.
• Only the specified driver can collect the vehicle.
• The quoted rates exclude any additional service charges.
• A member can make a single booking of a maximum of 23 consecutive days at their Multiply status rate. A single booking of more than 23 consecutive days is recognised as a monthly booking and will be charged at the Avis retail rate.
• This benefit is only available in the Republic of South Africa.
• This benefit will only be available when booked directly through the AVIS website and excludes all other channels/aggregators/platforms.
   

5. What the daily rental includes and excludes:
 

• Inclusions and exclusions, subject to change without prior notice.
• If there are any additional costs, Avis will deduct it from your credit card.

6. How to use this benefit – booking a rental car:

• There are two ways to book your discounted car rental:
• Online: Book directly through Avis at www.avis.co.za, or
• Through the Multiply Travel Desk. Contact us to assist with navigation by:
• phone: 0861 10 01 55, 
• e-mail: [email protected]
• Members must make their booking  a minimum of 24hours prior to the collection of their vehicle
• Members will need their Multiply client number and ID number when they make a booking.
• Booking are non-refundable.
• This benefit is subject to availability.
• Multiply will e-mail the Avis travel confirmation to the member.

​
7. When you collect your car:

• Collect the rental car from the Avis branch selected when the booking was made. Members must take along:
• ID document,
• valid unendorsed driver’s licence,
• valid credit card (cash is not accepted),
• Multiply membership card, and
• Avis confirmation.
• Please note that only the specified driver can collect the vehicle.
   

8. Authorisation deposit:

• An authorisation deposit is the amount that Avis will “hold” on the credit card when they provide members with a specific vehicle for rental. For more information, visit www.avis.co.za. The authorisation deposit money is only reserved and not actually “taken” from the credit card account. However, this “hold” does reduce the amount of funds available to the credit card holder.
• Once the vehicle is returned and the rental is invoiced, Avis will debit the credit card for the additional charges only (e.g. any petrol fees or other amounts payable other than the actual rental, which is pre-paid via Multiply). They will then cancel the authorisation deposit
• It takes about five days for the funds to reflect as available in the credit card holder’s account. 
• For weekend rentals, Avis takes a credit card authorisation for the estimated cost of the rental, plus the following additional weekend authorisation*: 
• Inland locations –R5 000, and
• Coastal locations –R2 000.
• The additional weekend authorisation will be waived on presentation of a valid airline boarding pass. This excludes Kaiser Matanzima Airport in Mthatha.

9. Paying for the rental vehicle:

• Members can only pay with a valid credit card. Avis accepts MasterCard, Visa, American Express and Diners Club.
• Members must have enough credit on your credit card for the authorisation deposit amount (visit www.avis.co.za for more information).
   

10. Changing or cancelling a booking:

• Alternations are to be done directly through AVIS.
• Members are liable for paying an administration if they change a booking.
• Avis standard rules for changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing the booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their booking, but Multiply will not refund the member, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved. 
• The Multiply discount does not apply to the extra costs when you cancel or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

11. General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

 
12. Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.avis.co.za.

13. Avis queries:

• If members have any queries about Avis, they can contact them by:
• phoning: 0861 021 111, or
• visiting: www.avis.co.za.
   

14. Multiply Travel Desk queries:

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

15. Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za
   

16. Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

4.How to use this benefit

• Members must present their Multiply membership card at a Bidvest Premier Lounge counter and pay the discounted rate.
• Members get access to lounges at any of the following airports:
   

5.Paying for your lounge visit

• Members can only pay with a valid MasterCard or Visa credit card.

6.Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.bidvestlounge.co.za.​

7.​​Bidvest Premier Lounge queries

• If members have any queries about lounge facilities, services or access, they can contact Bidvest Premier Lounge by:
• phoning: 086 124 3247, or
• visiting: www.bidvestlounge.co.za.
   

8.Multiply benefit or points queries

• ​If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• ending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

9.Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

aha Hotels & Lodges competition: Terms and conditions

1.    What is the competition?
Momentum Multiply members who book accommodation at aha Hotels & Lodges through the Multiply Travel Desk between 5 November and 30 November 2020 stand a chance to win a 2-night stay for two at Thakadu River Camp in the Madikwe Game Reserve.

2.    To qualify for the competition the entrant must be:
•    A South African citizen or a permanent resident in the Republic of South Africa.
•    A Momentum Multiply member or partner.
The competition is available to Multiply Starter, Provider and Premier members.

3.    How this competition works:
When a member books accommodation at aha Hotels & Lodges through the Multiply Travel Desk, they will be entered into a random draw to win the following prize:
•    A 2-night stay for two at Thakadu River Camp in the Madikwe Game Reserve.

4.    Competition rules:
•    This competition will run from 5 November 2020 to 30 November 2020.
•    The entrant must be 18 years old or older.
•    This prize is non-transferable and cannot be exchanged for cash or any other item.
•    If, for any reason, Momentum Multiply cannot provide the prize, Momentum Multiply will award an alternative prize of a similar value.
•    The prize is valid for a period of six months from date of issue.
•    Standard terms and conditions associated with the use of the Momentum Multiply benefit and aha Hotels & Lodges apply. Read the Multiply terms and conditions here and the aha Hotels & Lodges terms and conditions here.
•    No entries will be accepted after 30 November 2020 at 23:00.
•    Entrants are not limited to one entry.
•    Travel voucher terms:
- The following will be included: two nights’ accommodation for two, three meals, tea or coffee and snacks, and two game drives per day.
- Charges for all other services (including beverages, conservation levies and bed levies) provided by the lodge will be charged for as usual and will be for a member’s own account and payable on departure. Transport arrangements and costs are not included in this prize.
- The voucher is valid for six months from the date of issue and is subject to the availability of rooms at the time of making the reservation. It is not valid during peak periods. The prize is not transferable to a third party and may not be exchanged in part or in whole for cash or any other service provided by the lodge.

5.    Momentum Multiply competition queries:
•    If a member has any queries about this competition, they can call Multiply at 0861 88 66 00, send an email to [email protected], or visit www.multiply.co.za.

6. Ending membership

• Members will no longer have access or be eligible for this competition if their Momentum Multiply membership is cancelled.

• The winner will be drawn by an independent verification agent with no affiliation or relation to the prize given.
• If required by legislation or regulation or for whatever other reason, the promoter reserves the right to terminate this competition immediately and without prior notice. In the event of such termination, all entrants/participants agree to waive any rights that they may have in terms of this competition and acknowledge that they will have no recourse against the promoter, agents or its employees.
• In the event of a dispute on any aspect of this competition or the terms and conditions hereof, the decision of the promoter will be final and binding on all aspects of this promotional competition and no correspondence will be entered into.
• Any violation, minor transgression and any attempt or whatever may be deemed to be of the same value by the promoter will automatically result in disqualification. 

New Balance Campaign/Competition

1. The promoter of this competition is Momentum Multiply (Pty) Ltd

2. To qualify for the competition the entrant must:
a. Be a South African citizen or a permanent resident in the Republic of South Africa and
b. Be Momentum Multiply member or Partner.

3. The prize:
a. New Balance apparel to the value of R10 000.

4. How to enter:
a. Entrant must purchase New Balance Fuelcell footwear over the period 15 October – 13 November 2020. This action will automatically enter them into the lucky draw to stand a chance to win the prize.

5. Competition is open for this period Thursday, 15 October 2020 – Friday, 13 November 2020.

6. Winners will be drawn by an independent verification agent at random selection from all eligible entries on Monday, 16 November 2020.

7. By entering the entrants agree to abide by the following terms and conditions of this competition:
a. The entrant must be 18 years or older.
b. This prize is non-transferable and cannot be exchanged for cash or any other item.
c. If, for any reason, Momentum Multiply cannot provide the prize, Momentum Multiply will award an alternative prize of a similar value.
d. Entrants have to be Multiply member (including Partners) to enter.
e. Momentum Metropolitan Holdings staff that are Multiply (Starter, Provider or Premier) members may enter.
8. No entries will be accepted after 23:59 on Friday, 13 November 2020.

9. Notification and delivery of prizes:
a.The winners contact details will be obtained from the entries received.
b.The winners will be informed telephonically or via email within 2 working days after his/her name has been drawn, that he/she has won the prize.
c. If winners cannot be contacted after 3 attempts over 3 working days then another draw will take place.
10. Winners will then be announced on the following platforms: Facebook.com/MultiplyRSA, twitter.com/MultiplyRSA & Instagram.com/MultiplyRSA

11. Entrants are not limited to one entry.

12. A copy of these terms and conditions will be available on the official Momentum Multiply website from 15 October 2020 until 13 November 2020.

13. If required by legislation or regulation or for whatever other reason, the promoter reserves the right to terminate this competition immediately and without prior notice. In the event of such termination, all entrants/participants agree to waive any rights that they may have in terms of this competition and acknowledge that they will have no recourse against the promoter , its agents or it employees.

14. In the event of a dispute on any aspect of this competition or the terms and conditions hereof, the decision of the promoter will be final and binding on all aspects of this promotional competition and no correspondence will be entered into.

15. Any violation, minor transgression and any attempt or whatever may be deemed to be of the same value by the promoter will automatically result in disqualification.

Multiply Money Deposit Competition.

Cashbacks

1. Multiply will give you a percentage of your spend back in cash when you shop at one of our cashback partners, once your purchase has been confirmed. 
2. Cashbacks will be transferred into your Multiply Money savings wallet which enables you to save and earn interest.  
3. To use your cashbacks, you must transfer them to your Multiply Money payment wallet, using the Multiply Money app or by logging into multiply.co.za.
4. You will get cashbacks on your total qualifying spend at Pick n Pay by first logging in to multiply.co.za or the Momentum Multiply App to activate the benefit, then swiping your Smart Shopper card when you buy qualifying products in store.

• At Pick n Pay, items excluded from earning cashbacks from Multiply include, but are not limited to, as prohibited by legislation: 
• Fuel
• Tobacco and tobacco-related products
• Pick n Pay gift cards and top-ups
• Wallet top-ups
• Money transfers
• Prescription medicine and pharmaceutical goods
• Baby formula (0-36 months)
• Third party services and payments which include, but are not limited to electricity, USA Visa tokens, Axxess ADSL tokens, Hollard Insurance, U-Kash, SAA Cycle voucher, Austrian Visa tokens, Just Surf, Retail Bonds, all lottery tickets, transactions through SAA, bus tickets, MultiChoice, traffic fines, Splashout Mall Cards and pension payments. 

5. You will get cashbacks on your total qualifying spend at Dis-Chem by first logging in to the Momentum Multiply App to apply for the benefit, then swiping your Multiply/Dis-Chem co-branded card when you buy qualifying products in store.

• At Dis-Chem, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation: 
• Prescription medicine and pharmaceutical goods
• Plastic bags
• Redemption of vouchers or gift cards or loyalty cards
• Baby formula (0-36 months)

6. You will get cashbacks on your total qualifying spend at Clicks by first logging in to multiply.co.za or the Momentum Multiply App to activate the benefit, then swiping your Clicks ClubCard when you buy qualifying products in store.

• At Clicks, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation:
• any gift cards and top-ups;
• medicine and pharmaceutical goods;
• baby or nutritional formula;
• baby bottles, teats and feeding products;
• third party services and payments.

7. If any of our cashback partners make changes to the list of excluded items, these changes will automatically form part of the items that do not qualify for cashbacks. 
8. The percentage of cashbacks you earn depends on your Multiply status and on the cashback partner. Visit multiply.co.za for more information on the cashbacks you can earn at each partner. 
9. Spend limits for the Multiply online shop will apply. Visit the Multiply online shop spend limit rules for more information.
10. Pick n Pay has its own spend limit and Dis-Chem and Clicks have a combined spend limit. Visit the Pick n Pay, Dis-Chem and Clicks Multiply partner pages on multiply.co.za for more information.
11. Cashbacks earned for your qualifying purchases at Dis-Chem, Clicks and Pick n Pay will be transferred into your Multiply Money savings wallet within 7 days of your purchase.
12. Cashbacks earned on the Multiply online shop will be transferred into your Multiply Money savings wallet within 24 hours of your purchase.
13. If you return a purchase from the Multiply online shop that earned cashbacks, we will refund you the amount of the item in Multiply online shop credit minus the cashbacks you earned. The cashbacks you earned will remain in your Multiply Money savings wallet.
14. If you return a purchase that earned cashbacks from a retail store, we reserve the right to deduct the cashbacks you earned on that purchase from your Multiply Money savings wallet.
15. You can view the cashbacks you have earned on your monthly Multiply Money statement or contact Multiply Money on 086 011 1183 or [email protected].
16. If your Multiply Money benefit has not yet been created, you must immediately contact the Multiply Money contact centre on 086 011 1183 or [email protected] so that your Multiply Money savings wallet can be created and cashbacks can be allocated to you.
17. If your Multiply membership is for whatever reason suspended or cancelled, cashbacks will not be allocated to you.
18. Multiply reserves the right to at any time exempt certain products from earning cashbacks at our sole discretion.
19. Cashback partners are subject to change at any time, without notice.
20. All cashback bonus specials, over and above the normal cashbacks benefit, are subject to availability and cannot be guaranteed.
21. All terms and conditions relating to each individual cashback partner apply.
22. If you have not received your Multiply cashbacks after 7 days, please send the details of your query with a copy of your till slip to [email protected] in order for this to be investigated.

1.What is the benefit ?

• Members get up to 45% discount on accommodation at City Lodge hotels.

2.Who may use this benefit?

• This benefit is available to all Multiply Premier and Multiply Provider members.
• This benefit is not available to Multiply Starter members. 
• Multiply Members are not allowed to transfer to Non-Multiply Members.

 
3.How this benefit works

• Members receive the following discount on accommodation at City Lodge hotels, based on their Multiply status/level:
   

4.Benefit rules

• Hotel accommodation booked through Multiply is for leisure purposes only. 
• Multiply Premier members may not use this reward for more than 40 days per family in one calendar year (January to December), thereafter a 10% discount applies.  
• Multiply Provider members may not use this reward for more than 20 days per family in one calendar year (January to December), thereafter a 10% discount applies.  
• These discounts apply to the best available single or double (as applicable) room rate prevailing at the time of reservation, and may therefore fluctuate depending on availability and season. 
• The discounts do not apply to any specials or promotional rates offered by the respective hotels.
• The discounted single or double room rates may include or exclude breakfast, depending on the hotel.
• The room rate does not include any additional expenses, such as extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and we will not accept any changes.
• Multiply members with a single membership can only book a single room.  For any additional guests, the hotel will charge members directly.
• Multiply members with family memberships can book a double room, with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room, which is payable to the hotel. 
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr’s note confirming hospitalization is produced.  Please call the Multiply Travel Desk on:0861 100 155.
• Bookings must be made a minimum of 3 working days prior to arrival, for all Road Lodge hotels.

 
5.How use this benefit – booking accommodation

• Members must book through the Multiply Travel Desk at least three days before need the accommodation, by:
• phoning 0861 100 155,
• sending an e-mail to [email protected].
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of City Lodge Hotels, visit www.clhg.com.
• Multiply will e-mail the City Lodge Hotels voucher to the member.

 
6.Paying for your accommodation

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

 
7.Changing or cancelling a booking

• Members are liable for paying an administration fee if they change their booking.
• City Lodge Hotels’ standard rules for changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved.
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.

Note:Multiply Members are not allowed to transfer to Non-Multiply Members.
 
8.General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

 
9.Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.clhg.com

 
10.City Lodge Hotels queries

• If members have any queries about City Lodge, they can contact them by:
• phoning:  0861 563 437, or
• visiting: www.clhg.com.

 
11.Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

 
12.Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

 
13.Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

What is the benefit ?

• From self-care to meal prep; from road trips to movie nights, there’s a reward for that. Get cashbacks when you shop at Clicks with Momentum Multiply, plus double Clicks ClubCard points, up to the maximum allowed.

Who may use this benefit?

• This benefit is available to Multiply Premier members who also belong to the Clicks ClubCard programme.
• This benefit is available to main members and their partners.

How this benefit works:

• Members earn cashbacks, based on their Multiply status on qualifying items purchased at Clicks.

Premier

• Your cashbacks will be calculated on your daily spend and will be transferred into your Multiply Money savings wallet. You get cashbacks on the first R2 000 that you spend per month at Clicks and Dis-Chem, as a family and single member. This is your combined spend limit for our health and beauty partners.

• You will also get double Clicks ClubCard points, up to the maximum allowed. 

Example:

• If you are on Private Club status and spend R2 000 a month at Clicks, you will get R200 in cashbacks.

 

Provider

• This benefit is not applicable to Provider members. Upgrade to Multiply Premier to start enjoying Clicks rewards.

 Starter

• This benefit is not applicable to Starter members. Upgrade to Multiply Premier to start enjoying Clicks rewards. 

How do I get it?

You will need to belong to Momentum Multiply and Clicks ClubCard to qualify and you need to activate the benefit to earn cashbacks.

• To activate the benefit:
  • Log in to multiply.co.za and navigate to the Clicks activation page.
  • Enter your Clicks ClubCard number.
  • Your details will be verified and successful activation will be confirmed on the website.

Using the benefit:

• To get cashbacks, simply swipe your Clicks ClubCard before you pay. 
• Pay for your goods.
• Your cashbacks are paid into your Multiply Money savings wallet within 7 days.
• View your cashbacks statement on multiply.co.za.
• This benefit is available to main members and their partners on Multiply Premier.
• Cashbacks will be awarded based on your Multiply status.
• You will also automatically get double Clicks ClubCard points on your purchases. This will be calculated on your qualifying spend and will be included in your Clicks points balance. These points are converted to Clicks cashback in a two month cycle.
• Multiply reserves the right at any time to exempt certain products from earning cashbacks at its own discretion.
• Cashbacks can only be earned for purchases made at Clicks stores and not at any of their affiliated partners.
• At Clicks, items excluded from earning cashbacks include, but are not limited to and as prohibited by legislation:
  • Any gift cards and top-ups;
  • Medicine and pharmaceutical goods;
  • baby or nutritional formula;
  • baby bottles, teats and feeding products;
  • third party services and payments.

Standard Clicks Ts & Cs apply.

1.What is the benefit?

• Members get a flat 20% off on a range of world-leading blood and stem storage facilities, provided by Cryo-Save. The services applicable to this benefit are the following:
• Processing;
• Viability testing;
• Maternal blood tests.

• This benefit Multiply Premier, Multiply Provider and Multiply Starter members are eligible to receive a flat 20% off Cryo-Save services.

• Members may access the benefit by visiting the Cryo-Save website and completing an application www.cryo-save.co.za;
• Members will be required to input their Multiply member number or ID in order for discounts to apply to the chosen services;
• The discount will apply to the purchase price, thereafter members will be required to complete payment. 

• The benefit is available to the principal and partner on Multiply Premier, Multiply Provider and Multiply Starter.
• The standard Cryo-Save terms and conditions apply.
• The maximum discount available is 20%.

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

What You Get:

Premier:

• Policy holder and partner qualify for a fixed discount of 25% off their monthly gym membership fees on a 12 month contract with a R400 activation fee.
• Additional benefits: 
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
   

Active  Dayz™:

• Every gym session will earn you one Active Day.

Rewards:

• Active  Dayz™  together  with  your  Healthy  Heart  Score  and  status  on  Multiply  Premier  will earn you  these  financial  rewards  if  you  have Multiply Premier and the relevant  Momentum products: 
• Up to R3 000 per month back in HealthReturns when  you have Momentum Medical Scheme;
• Up to 60% off your life insurance premiums with Momentum Myriad;
• Up to 60% back in EmployeeReturns when you have Momentum FundsAtWork.
   

Provider:

• Policy holder and partner qualify for a fixed discount of 15% off their monthly gym membership fees on a 12 month contract with a R400 activation fee.
•  Additional benefits: 
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
• Active  Dayz™ 
• Every gym session will earn you one Active Day.
   

Rewards:

• As a Multiply Provider and Momentum Health member, Active Dayz™ together with your Healthy Heart Score and status can earn you up to R3 000 per month back in HealthReturns.

Starter:

• Policy holder and partner qualify for a fixed discount of 15% off their monthly gym membership fees on a 12 month contract with a R400 activation fee.
• Additional benefits: 
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
   

How to get it:

• You must take your Smart ID card or green bar-coded ID and Multiply membership card to the Curves health club of your choice. 
• When you apply with Curves please note that you will be asked to: 
• Complete and application form;
•  Provide Curves with your banking details for their direct collection of your monthly gym debit order;
• Note that Curves will collect your monthly debit order on the first of every month. Should you have joined Curves in the middle of a previous month the next month’s premium will include the additional first month’s pro-rated premium.
   

Using the benefit:

• The benefit is based on the standard 12 or 24 month membership contract, which varies by club type and does not apply to any membership specials that Curves may run. 
• Standard Curves Ts & Cs apply

What is the benefit ?

• Nutritional and fitness products are as important to healthy living as staying active and eating well. With this great benefit, you enjoy up to 12% in cashbacks when you shop at Dis-Chem. You can also do your health assessment at Dis-Chem to get your Healthy Heart Score.

Who may use this benefit?

• This benefit is available to all Multiply Premier, Multiply Provider and Multiply Starter members.
• This benefit is available to principal members and their spouses/partners.

How this benefit works:

• Members earn cashbacks, based on their Multiply status/level and the items purchased at Dis-Chem.

Premier

• Your cashbacks will be calculated on your daily spend and will be transferred into your Multiply Money savings wallet. You get cashbacks on the first R2 000 that you spend per month at Clicks and Dis-Chem, as a family and single member. This is your combined spend limit for our health and beauty partners.

Example:

• If you are on Private Club status and spend R 2 000 a month at Dis-Chem, you will get R240 in cashbacks. 

 

Provider

• Your cashbacks will be calculated on your daily spend and will be transferred monthly into your Multiply Money savings wallet. As a single or family member, you get cashbacks on the first R2 000 that you spend per month at Dis-Chem. You will still get 2% in cashbacks at Dis-Chem when you buy above your spend limit for the rest of the month.

Example:

• If you are on Level 3 and spend R1 500 a month at Dis-Chem, you will get R90 in cashbacks. 

 
 Starter

• You get 2% cashbacks which is calculated on your daily spend and will be transferred monthly into your Multiply Money savings wallet. There is no spend limit for Starter members.​

Example:

• If you spend R1 500 a month at Dis-Chem, you will get R30 in cashbacks. 

To activate the benefit:
This is the process you need to follow to earn cashbacks for your purchases at Dis-Chem.

• Log in to the Momentum Multiply App, go to Cards > Multiply/ Dis-Chem co-branded card and click on Apply now or,
• Call us on 0861 88 66 00.
• Once the benefit has been applied for, collect your Multiply/Dis-Chem co-branded card from any Dis-Chem store nationwide or register on the Dis-Chem website or app to get a digital Multiply/Dis-Chem co-branded card. The digital card can be used for both in-store and online shopping.

Using the benefit:

• To get cashbacks, swipe your Multiply/Dis-Chem co-branded card before you pay.  
• Pay for your goods.
• Your cashbacks are paid into your Multiply Money savings wallet within 7 days.
• View the cashbacks that have been paid into your Multiply Money savings wallet on multiply.co.za.
• This benefit is available to main members and partners on Multiply Premier and main members only on Multiply Provider.
• You will also automatically get Dis-Chem points on your purchases when swiping your Multiply/Dis-Chem co-branded card.
• Cashbacks will be awarded based on your Multiply status and will be awarded on qualifying products at Dis-Chem. 
• Multiply reserves the right at any time to exempt certain products from earning cashbacks at its discretion.
• At Dis-Chem, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation: 
  • Prescription medicine and pharmaceutical goods
  • Plastic bags
  • Redemption of vouchers or benefit cards or gift cards or loyalty cards
  • Baby or nutritional formula
  • Baby bottles and baby teethers

 
Standard Dis-Chem Ts & Cs apply.
Click here for Multiply Ts & Cs.

Who can benefit?

• This benefit is available to all Multiply Premier and Multiply Provider and Starter members.

Multiply Members are not allowed to transfer to Non-Multiply Members.

• Members get up to 30%
• Starter – 20%
• Provider- 25%
• Premier- 30%

Benefit rules

• Hotel accommodation booked through Multiply is for leisure purposes only. 
• Multiply Premier members may not use this reward for more than 40 days per family in one calendar year (January to December. 
• Multiply Provider  and Starter members may not use this reward for more than 20 days per family in one calendar year (January to December.  
• These discounts apply to the best available single or double (as applicable) room rate prevailing at the time of reservation, and may therefore fluctuate depending on availability and season. 
• The discounts do not apply to any specials or promotional rates offered by the respective hotels.
• The discounted single or double room rates may include or exclude breakfast, depending on the hotel.
• The room rate does not include any additional expenses, such as extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and we will not accept any changes.
• Multiply members with a single membership can only book a single room.  For any additional guests, the hotel will charge members directly.
• Multiply members with family memberships can book a double room, with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room, which is payable to the hotel. Children - the age limit will be determined by each hotel and/or resort. Not by Multiply or Dream Hotels and Resorts.                                                                                                                                                                   
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr’s note confirming hospitalization is produced.  Please call the Multiply Travel Desk on 0861 100 155. 

How use this benefit – booking accommodation

• Members must book through the Multiply Travel Desk at least three days before need the accommodation, by:
• phoning 0861 100 155,
• sending an e-mail to [email protected].
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of Dreams Hotels and Resorts, visit https://www.dreamresorts.co.za/wp-content/uploads/2018/07/DHR301117_TRADE-BROCHURE-LR-spreads.pdf
• Multiply will e-mail the Dreams vouchers and confirmation  to the member.

Paying for your accommodation

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

Changing or cancelling a booking

• Members are liable for paying an administration fee if they change their booking.
• Dream Hotels and Resorts  changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved.
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

Partner rules

Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
For comprehensive partner terms and conditions, please visit www.dreamresorts.co.za 

Dreams hotels and resorts  queries

• If members have any queries about Dreams Hotels and Resorts , they can contact them by:
• phoning:  0861 010 347
• visiting: [email protected]

Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

The discounts above apply to the base fare portion of the ticket and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.

4. Benefit rules

• If a BRONZE – PRIVATE CLUB member books more than 2 return international air tickets per family member per calendar year their discount will revert back to 10% for Normal flights and 5% for Special flights.
• Members may not book directly with the airline. Bookings may only take place through the Multiply Travel Desk.
• Flights booked through Multiply are for leisure purposes only and must span a minimum of 3 days and a maximum of 12 months.
• Business Class bookings are allowed, but the booking will count as 2 Economy class bookings.
• 1x Business class booking per annum per member. PLEASE BE ADVISED that this applies to all international Airlines on Multiply, in other words should a Member make use of this option, the Member will be prevented from making use of this option on another Multiply affiliated airline. Members receive 2 (two) economy class international return flights per annum, hence a Members converts 1 (one) business class return per annum. Flights depart only out of South Africa and return to South Africa. 
• 2x Economy class bookings per annum per member
• No Multiply discount will apply to any changes made to flight bookings.
• Members must ensure that they take out the necessary travel insurance when traveling overseas. Multiply offers travel insurance at a discount (see Travel Insurance Consultants (TIC)).
• The discounts apply for return economy, first  and business flights only. No one-way travel is permitted.
• The discounts above apply to the cost of the flights and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.
• Members who have booked via the Multiply Travel Desk will receive their travel itinerary and booking reference number via e-mail.
• Routes and destinations may change without prior notice.
• Flights can ONLY be booked out of South Africa and return to South Africa for the discount to apply in rand value.
• Children who qualify for the applicable discount will not be catered for by Emirates in the event they travel with a non-member adult.
• The member discount and/or ticket price are non-negotiable. Other travel Agent pricing or Emirates Specials will not be considered in conjunction with the member discount and/or ticket price.

 
5. How to use this benefit – booking a flight

• Members cannot book directly with Emirates, but only through the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected]
• Bookings must be made within a minimum of 3 working days prior to the date of departure. Any bookings made after this point will not be guaranteed and immediate payment will be required to secure the booking.
• Members must provide their Multiply client number and ID number when they make a booking.
• Flights prices are subject to change without prior notice.
• Multiply will e-mail members their Emirates travel itinerary and booking reference number to them.

 
6. Paying for your flights

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

 
7. General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply discounts are only available for certain routes and destinations, according to the specific code share agreements of Emirates.
• Members may contact the Multiply travel desk for the complete list of destinations and routes eligible for Multiply discounts.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are refundable as per the Airlines rules and regulations. Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Emirates, but it is subject to additional costs and penalties as applied by Emirates.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.
• Multiply will not be responsible in providing members with assistance with any other related travel documents. Members are advised to obtain all necessary documents prior to booking a flight.

 
8. Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.emirates.com.

 
9. Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

 
10. Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

11. Ending the benefit

• For any confirmed bookings:
• The Emirates benefit will honour bookings that have already been made, even if the Multiply membership is cancelled. 
• The benefit may be denied if members do not comply with the terms and conditions of www.emirates.com.
• For any future bookings:
• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Members get up to R180 discount on Executive Carport valet parking at OR Tambo International Airport.

 
2.Who may use this benefit?

• This benefit is available to all Multiply Premier members.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

3.How this benefit works:

• The discount is the same across all Multiply status levels. Members get the following discounted rate on daily parking fees:

• ​Multiply calculates the discount for each day – it is not an average for the total number of days.

4.How to use this benefit – booking your parking:

• Members can book parking directly with Executive Carport in one of two ways:
• by completing the online booking form on their website at www.executivecarport.com, or
• by phoning them on 011 390 2062.
• Members will need their Multiply client number and ID number to make a booking.
• Members will receive a confirmation number when they make the booking. Members can use this number if they want to make any changes to their booking. 
• Members will find Executive Carport valet parking just after the “Domestic Departures” area at OR Tambo on the left-hand side of the upper roadway. 
• To collect their car, members will find the collection area on the fourth floor of the multi-storey parking opposite domestic Terminal B. 

5.General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside of Multiply’s scope and control.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

6.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.executivecarport.com.

7.Executive Carport queries:

• If members have any queries about Executive Carport and their offerings, they can contact them by:
• phoning: 011 390 2062, or
• visiting: www.executivecarport.com.

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Multiply wants members to understand their finances better by setting up regular time with their financial advisers to review their personal financial plan.

2.Who may use this benefit?

• This benefit is available to principal members and their spouses/partners on Multiply Premier, Multiply Provider and Multiply Starter.
• Multiply Provider and Multiply Premier members can earn points for completing this review process.
• Multiply Starter members do not earn points for having a review done.

3.What is a financial coverage review?
Members will need to consult an accredited adviser who will review their finances, advise and asses if they have cover in the following areas:

• Risk
• Car and home
• Health
• Wills
• Retirement 
• Savings

4.How to earn points for the review process:

• The financial adviser must submit a declaration of advice to Multiply, alternatively members will need to submit a completed form, available on the Multiply website. 
• Multiply will then allocate the points once submitted and processed. 

5.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning:0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

6.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

1.What is the benefit ?

• The Healthy Heart Score gives you an indication of how healthy a member’s heart is. Results from a completed Health Assessment are used to calculate a score to identify which category the heart health falls in, either: green, amber or red. This indicates if the member is currently causing progressive harm that could result in  cardiovascular  disease (CVD).
• This information can be used to help members take better care of their heart health.

2.Who may use this benefit?

• A Healthy Heart Score (HHS) will be calculated for all Multiply Premier, Multiply Provider and Multiply Starter members.

3.How this benefit works:

• A set of components and measurements are required to calculate a HHS for a member. These include; blood pressure, glucose or HbA1c, total cholesterol, HDL cholesterol (optional), body fat percentage together with smoker’s status.
• Points are awarded for each component/measurement.
• The points are then added together to get a final score, which will place a member into either a green, amber or red category.
• Results:
• Red – You need to take strong action to reduce your CVD risk factors. 
• Amber – You should take action to reduce your CVD risk factors. 
• Green – All your CVD risk factors are under control for now.

4.Product benefits:

• Multiply Premier members can access a number of product benefits, through the use of Active DayzTM and HHS:
• Up to 60% back in EmployeeReturns on qualifying FundsAtWork insurance premiums; 
• Up to 60% back on Myriad insurance premiums; and 
• Up to R3 000 per month per family in HealthReturns from Momentum Medical Scheme.

5.How to use this benefit:

• Complete a Multiply Health Assessment at any Dis-Chem, Clicks, Multiply approved independent pharmacies and biokineticists registered with BASA.
• Multiply Premier members and their partners are each entitled to one free health assessment per year.
• Visit the FundsAtWork website (www.momentum.co.za/fundsatwork) to activate the benefit. 

​
6.Benefit rules:

• Validity of the HHS will be influenced by change or expiry of any of the input measurements.
• The following set of measurements have a 12 month validity period. Once one of them has expired, the HHS also expires until the expired measurement is updated again:
• Blood pressure
• Glucose or HbA1c
• Total cholesterol
• Body fat percentage
• Smoker status
• HDL Cholesterol (optional)

7.Multiply benefit or points queries:

• If member have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

8.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit ?

• Members get up to 40% discount on bus tickets with Intercape.

2.Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on the Multiply Starter, Multiply Provider and Multiply Premier.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

3.How this benefit works:

• Members receive the following discounts based on their status/level:
   

The discounts above apply to the full cost of the ticket. This benefit is available on any published public fare for any of the bus routes, subject to the Benefit Rules below.

• Multiply Premier members are entitled to 24 bookings per member at their Multiply status discount per calendar year. 
• Only members listed on the Multiply Premier contract qualify for the benefit. 
• Members can book Intercape bus tickets at 10% once they have exceed the 24-booking limit. 
• Multiply Provider members are entitled to 12 bookings per member at their Multiply level discount per calendar year. 
• Only members listed on the Multiply Provider contract qualify for the benefit. 
• Members can book Intercape bus tickets at 10% once they have exceed the 6-booking limit
• Multiply Starter members are entitled to unlimited bookings per member at their Multiply Starter discount per calendar year.
• Only members listed on the Multiply Starter contract qualify for the benefit.
• Bus routes are subject to availability.
• The discounts above apply to the full ticket price.
• Members must take their ID document and voucher/itinerary to the depot on the day of departure to collect their ticket.
• In the case of credit card bookings, the ticket will be automatically cancelled unless the cardholder complies with all requirements stipulated during the booking process, which may include that the credit card used to purchase the ticket(s) and the ID document of the cardholder must be presented upon boarding the Intercape vehicle or at an Intercape office at least 24 hours before the scheduled departure time.
• Intercape offers three ticket options; Saver, Flexi and Full-Flexi at different costs, allowing differing flexibility.
• Children aged 2 to 12 years pay the full Intercape fare.
• Children below the age of 12 are not allowed to travel alone and must be accompanied by a parent/guardian.
• Intercape does not cater for unaccompanied minors. 
• Unless Intercape and a passenger agree otherwise, and at the sole discretion of Intercape, each fare-paying passenger is permitted to take, free of charge, two pieces of luggage and goods, each of which does not exceed 80cm x 60cm x 30cm in size, and of a total mass (all luggage and goods combined) not exceeding 20kg for domestic departures, and 30kg for cross-border departures.
• Routes or destinations are subject to change without prior notification.

• Contact the Multiply Travel Desk on 0861 10 01 55 or email: [email protected]
• Members must have their Multiply client number, ID number or passport number on hand. 
• Booking are non-refundable.
• No advance booking period is required for bookings.
• All routes offered by Intercape are available to Multiply members.
• Tickets booked through Multiply are for leisure purposes only.
• This benefit is subject to availability.

• A ticket is valid for the use only by the passenger to whom it is issued and for the route, date and time shown thereon.
• A ticket can be cancelled and a refund issued subject to the following:
• SAVER tickets 48 hours or more before the scheduled departure time, with a 25% cancellation fee;
• FLEXI tickets 24 hours or more before the scheduled departure time, with a 15% cancellation fee; and
• FULL FLEXI tickets 12 hours or more before the scheduled departure time, with a 10% cancellation fee.
• Notwithstanding the above, all tickets can be cancelled and will be refunded without any cancellation fee, provided that the cancellation is performed within 1 (one) hour after the ticket was purchased, but not within 15 minutes before the scheduled departure time.
• Changes can be made directly with Intercape or through the Multiply Travel Desk.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate. 
• For any combination booking (flights and/or accommodation and/or car hire), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Intercape, but it is subject to additional costs and penalties as applied by Intercape.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za  multiply before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.intercape.co.za.

• If members have any queries about Intercape, they can contact them by:
• phoning: 021 380 4400 or
• visiting: www.intercape.co.za.

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected]

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

• Members will no longer have access to this benefit if their Multiply membership is cancelled

Please Click here here for the KidsReturns terms and conditions 

1. What is the benefit?

• Members pay R199 per month for the programme subscription.

2. Who may use this benefit?

• The benefit is available to Multiply Premier and Starter members.
• The benefit is available to main members, their partners and dependants.

 
3. How this benefit works:

• All Multiply Premier and Starter members pay R199 per month for the programme subscription.

 
4. How to use this benefit:

• Click here and select the Lisa Raleigh Moxie Programme for Multiply members.  
• Complete the sign-up and payment process. 
• Once payment is made, you will receive an email with your personal login details. 
• You will also get a welcome email with a link to the login page. 
• Once you log in, you will be directed to the Lisa Raleigh Moxie product library, with all the information about the programme and workouts. 

• You will get 4 workouts a week, which are uploaded on a Sunday. This gives you 16 workouts a month. 
• Each workout comes with a PDF document that explains each exercise. 
• You will also become part of a community where you will receive tips, advice and recipes to stay motivated. 

  
5. Benefit rules:

• This benefit is only available to the main member, partner and dependants on the Multiply contract. 
• Multiply members are not allowed to transfer the benefit to non-Multiply members. 
• All membership fees are paid for directly to Lisa Raleigh. 
• The Multiply discount cannot be used in conjunction with any other applicable discounts. 
• There is no annual spend limit applied to this benefit.  
• You will no longer have access to the discounted price of this benefit if you cancel your Multiply membership. 
• Please contact Lisa Raleigh or Multiply if your discount is not applied correctly. 

6. Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an email to: [email protected], or
• visiting: www.multiply.co.za. 

7. Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit ?

• Multiply members get discounts on Mango flights. 

2.Who may use this benefit?

• This benefit is available to all Multiply Starter, Multiply Provider and Multiply Premier members.
• Members must be 18 years or older to make a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

3.Mango flies the following domestic routes:

4.How this benefit works Principal members, their spouses/partners and adult dependants:

Child dependants:

• Children aged two to 12 years pay the full fare and get the Multiply discount. 
• Infants under two years of age, pay airport taxes only but do not get a seat. The discount will not be applied to infants.
• Infants have to stay on your lap during the flight, but are permitted a free baggage allowance of 10kg. 
• Mango does not cater for unaccompanied children. 
• Children who qualify for the applicable discount will not be catered for by Mango in the event they travel with a non-member adult.
• Children shall qualify for the applicable discount if they are a dependant on a members membership. This will further apply if both members are married or have separate memberships.
• Children who qualify for the applicable discount will not be catered for by Mango in the event they travel with a non-member adult.

 
5.Benefit rules:

• Multiply Premier members may not book more than 12 domestic flights per family member in one calendar year (January to December). Any further flights will be at 7.5%.
• Multiply Provider members may not book more than 6 domestic flights per family member in one calendar year (January to December). Any further flights will be at 7.5%.
• There is no flight limit for Multiply Starter members – they can book at 7.5%.
• No advance booking period is required for “flight only” bookings. One-way travel is permitted on “flight only” bookings. 
• Discounted flight tickets are for leisure purposes only.
• Discounts apply to the cost of flights only. It excludes airport taxes, insurance charges, fuel levies and surcharges.
• This benefit is available on any published public fare for any of the Mango routes, subject to the General Multiply travel rules.
• One-way travel is allowed, except for combination bookings of flights and car hire.
• No advance booking period is required for flight bookings.
• Flights are subject to availability.
• Multiply will not be held responsible for the partner app downtime. Members are advised to make use of other channels to make a booking. 
   

6.How to use this benefit – booking flights:

Members can book a Mango flight in any of the following ways:

• Online - visit www.flymango.com: click on the Momentum Multiply tab and login as a Multiply member.
• Via the Mango mobile site at www.flymango.com: login with your Multiply member details.
• Via the Mango Mobile App: available for download from Apple iStore, Blackberry World, Android Market and the Mango mobisite.
• Members will need their Multiply client number and ID number when they make a booking.
• Only Mango flights are to be booked on the www.flymango.com website. Book Avis car rental through www.avis.co.za in order to receive your car rental benefit.
• Make sure that all details of travellers are correctly displayed (full names and ID numbers) before completing any booking, as these names will be displayed on the booking detail, and needs to match the detail on the travellers’ ID books.
• Members must remember to take their ID document and voucher/itinerary to the airport when they collect their boarding pass.
• Members can check in online even before they get to the airport. Please note: Members  cannot check in online for a booking that was made within 12 hours of flight departure. The ID number in the booking must match the ID number members enter. (This service is not available in Bloemfontein.)
• Members can pre-book their favourite seat, at applicable Mango rates, before they fly if they book early enough.Members can bring their bicycle or tandem bicycle with them on the plane at applicable Mango rates.
• Members can also check in golf clubs with their luggage at a fee per sector. The weight allowance for the golf clubs is included in the checked-in luggage weight allowance. If the total checked-in weight exceeds 20kg, additional fees per kilogram will be charged.
   

7.Paying for flights:

• Members can pay for travel bookings on www.flymango.com by using Mango’s various flexible payment options available to Multiply members.

 
8.Changing or cancelling your booking:

• If members change their booking they will be liable for paying an administration fee. 
• Mango’s standard rules for changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their flights.
• If the price of the new flight is higher than the original flight, members will have to pay the difference. If the price of the new flight is lower than the original flight, members  will lose the difference.
• Members are allowed to cancel flights, but Multiply will not refund the member , unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their ticket on another date. Please note that additional costs could be involved.
• Reservation changes may be made up to 2 hours before departure of the booked flight.
• Changes may be made on the Mango website or through the Multiply travel Desk. A relevant administration fee (as decided by us from time to time) per transaction, plus the difference in fare, if applicable, will be charged per member . The above is also applicable to name changes.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

9.Cancellation, Rerouting, Delays, and Denied Boarding:

• Mango will take all necessary and reasonable measures to avoid delay in carrying you and your Baggage. In the exercise of these measures and in order to prevent a flight cancellation, in exceptional circumstances Mango may arrange for a flight to be operated on our behalf by an alternative carrier and/or aircraft. 
• If Mango are unable to provide previously confirmed space, it  shall provide compensation to those members  denied boarding in accordance with applicable law and our denied boarding compensation policy.
• Where a flight is cancelled due to reasons caused by weather conditions, air traffic control, technical, industrial unrest or an Act of God, Mango will, at your election:
• Refund all monies received in respect of the confirmed reservation, or Place the member on the next flight, subject to seat availability.
• Mango does not accept any further liability whatsoever for cancelled flights.

 
10.Refunds and Credit Vouchers:

• After confirmation of a reservation, no refunds or credit voucher will be granted under and circumstances, apart from the following:
• If a flight is cancelled by us;
• If we are unable to honour the Guest’s reservation resulting in the Guest being denied boarding;
• Or as otherwise provided for in these Conditions of Carriage.
• Any refunds will be made either to the Guest named in the Ticket or to the person who has paid for the Ticket, upon presentation of satisfactory proof of such payment, subject to the deduction of a reasonable administration fee.
• Refunds (and/or credit vouchers referred to below) will not be granted where a Guest fails to check in within the applicable Check-in Deadline or fails to board the aircraft.
• A credit voucher issued by MANGO will be valid for a period of three (3) months from the date on the credit voucher. A credit voucher may only be used on MANGO flights by the Guest named on it during the validity period. Any difference between the credit voucher value and the fare for the new booking must be paid by the Guest.
• In the event of death or hospitalization a refund maybe issued by Mango is the necessary documentation is submitted as proof. Please call the Multiply Travel Desk on 0861 100 155 for assistance as well.
   

11.General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• For any combination booking (flights and/or accommodation and/or car hire), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Mango Airlines, but it is subject to additional costs and penalties as applied by Mango
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za  before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

 
12.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.flymango.com

13.Mango Airlines queries:

• If you have any queries about Mango Airlines flights, schedules, special needs, documentation required, baggage or flight changes, you can contact them by visiting: www.flymango.com.

14.Multiply Travel Desk queries:

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

15.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za
   

16.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.Wat is the benefit?

• Members receive 22.5% off  Maxidor products and services.

2.Who may use this benefit?

• The benefit is available to Multiply Starter, Multiply Provider and Multiply Premier members.
• This benefit is available to all principal members and their spouses/partners.

 
3.How this benefit works:

• All Multiply members get a 22.5% discount off their purchases.

4.How to use this benefit:

• Login to Multiply and complete the request for a quote for Maxidor.
• A Maxidor representative will contact the member within 24 hours to complete a quotation.
• The discount will be applied on the final quotation. 
   

5.Benefit rules:

• The benefit is available to the principal and partner on Multiply Premier, Multiply Provider and Multiply Starter.
• The standard Maxidor terms and conditions apply.
• The maximum discount available is 22.5%.
• All quoted prices include VAT.
• This offer is only available to members dealing with the official Maxidor branched in Johannesburg, Pretoria, Vaal Triangle, Polokwane, Bloemfontein, Durban, Port Elizabeth and Cape Town.
   

6.Maxidor queries:

• If members have any Maxidor queries, they can contact them by:
• phoning: 0860 131 131 or
• visiting: www.maxidor.co.za.
• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
   

7.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.
• 8.Ending the benefit:
• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Members receive 33% off their joining fees at Playmoregolf, World of Golf, Golf Village Gillooy's and Golf Village Centurion.

2.Who may use this benefit?

• The benefit is available to Multiply Premier principal members and their spouses/partners.
• This benefit is not available to Multiply Starter and Multiply Provider members.

 
3.How this benefit works:

• All Multiply Premier members receive 33% off their joining fees at Playmoregolf, World of Golf, Golf Village Gillooy's and Golf Village Centurion.

 
4.How to use this benefit:

• To purchase a membership, members need to register with a sales consultant at Momentum World of Golf or Momentum Golf Villages.
• Members must remember to have their ID number or Multiply client number available when they register.

 
5.Benefit rules:

• Only the main member and partner are eligible for these benefits.
• Any Multiply cancellations or plan changes will affect the discounted monthly membership fees.
• Multiply Premier members who are already members of Momentum World of Golf or Momentum Golf Villages still qualify for the membership discount. They will receive the 20% membership discount on the day their policy becomes active. Visit the branch where the membership is registered and request to receive the Multiply discount.

 
6.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za. 

7.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

5.1. You will not be charged when you register for the USSD channel. Normal transaction fees will apply for any transactions you perform using the USSD channel as per the terms and conditions associated with Multiply Money.
5.2. If you do not pay our fees or do not have enough money in your account to pay them, you may have limited functionality on the channel. For more information on fees, visit multiply.co.za.
5.3. Network provider charges apply to the use of the USSD channel. For more information on these charges, you will need to contact your Network provider

6. Keeping your USSD PIN secret

6.1. You must keep your USSD PIN secret and your mobile phone safe at all times. Someone who knows your USSD PIN and has access to your phone may access your Multiply Money wallets
6.2. You indemnify us against any loss or damage you may suffer if you share your USSD PIN with anyone else.
6.3. If you suspect that someone knows your USSD PIN, you must report it immediately to Multiply Money on 0860 11 11 83.
6.4. If you ask us to change your USSD PIN, we will need to verify your identity and may ask you for proof.
6.5. We will never ask you for your USSD PIN. You must not respond to any request to disclose your USSD PIN.

7. Availability of USSD

7.1. The USSD channel may not always be available. We may experience technical failures or other circumstances beyond our control.
7.2. We will not be held liable for any loss or damage you may suffer:
7.2.1. due to the unavailability of the USSD channel; or
7.2.2. if you cannot use the USSD channel due to Network Provider availability problems.

8. Using and sharing your personal information

8.1. You agree that we may collect and process your Personal Information so that we can:
8.1.1. create, manage, and administer your profile and your Multiply Money wallets;
8.1.2. provide a combination of services, analysis or information linked to your Multiply Money wallets;
8.1.3. observe and analyse activities on your profile and Multiply Money wallets for risks such as fraud and non-compliance; and
8.1.4. analyse information to identify trends and develop new channel features, products and services.
8.2. You agree that we may share your Personal Information with any third party who;
8.2.1. provides services to us or partner with us in rendering this service to you,
8.2.2. acts as our agent, or
8.2.3. has been given, or may be given, any of our rights and duties in respect of your account or profile.
8.3. We ask our service providers to agree to our privacy policies if they need to access any personal information to carry out those services.

9. Miscellaneous

9.1. You may not vary the Terms and Conditions of this Agreement.
9.2. This Agreement is governed by the laws of the Republic of South Africa.
9.3. The Terms and Conditions of this Agreement may be changed from time to time and the latest version of this Agreement is available by following the Multiply Money USSD link on multiply.co.za.
9.4. The Terms and Conditions of Multiply Money are available on multiply.co.za.
9.5. The Terms and Conditions of Multiply and the related programme rules are available on multiply.co.za.

10. General provisions
 
10.1. You are responsible for making sure that you never use the USSD channel for any illegal purpose. You will be legally responsible for any illegal transactions that you make.
10.2. If you have any complaints or questions relating to USSD, please contact Multiply Money on 0860 11 11 83 or email [email protected]

• Your discount will depend on your status.
   

• Your discount will depend on your level.

• Log in to NetFlorist’s website.
• Shop and select your product/s of choice.
• Proceed to the checkout screen and click on the Multiply logo. You will need to enter your ID/ passport number to get your discount.
• Pay for your order as per NetFlorist’s methods of payment.

• This benefit is only available to the main member and partner on the Multiply contract.
• Multiply members are not allowed to transfer the benefit to non-Multiply members.
• All purchases must be completed on the NetFlorist website. 
• Your discount will apply to all products sold on the NetFlorist website, but does not apply to the delivery fee.
• The delivery fee will be in accordance with the NetFlorist delivery terms and conditions. 
• All product prices include VAT.
• You will no longer have access to this benefit if you cancel your Multiply membership.
• Please contact Multiply if your discount is not applied correctly.
• Standard NetFlorist terms and conditions, warranties and return policies apply. 
• The Multiply discount shall not be applicable with a third parties discount or voucher.

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. 
• For comprehensive partner terms and conditions, please visit http://www.netflorist.co.za/Terms_and_Conditions.htm   

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

How it works:
Multiply members enjoy discounts on New Balance apparel. The discounts available to Multiply members on listed apparel on the New Balance online shop are as follows:

Premier Members
All members qualify for a 30% discount 

Provider Members
All members qualify for a 20% discount 

Starter members 
All members qualify for a 15% discount 

Accessing the benefit:

• Purchases can be made through www.newbalance.co.za;
• Log and create a New Balance profile.
• Browse the website and select the items for purchase;
• Proceed to checkout and click on the Multiply Member Code, enter your Multiply membership number or ID number to activate your discount;
• Specify delivery address and complete payment.
   

Benefit Rules:

• The benefit is only available to main member and partners on the Momentum Multiply contract.
• Momentum Multiply members are not allowed to transfer the benefit to non-members.
• All purchases must be completed on the New Balance website.
• Your discount will apply to all items purchased (excluding sale and discounted item) on the New Balance websites but does not apply to delivery fees.
• The Momentum Multiply discount cannot be used in conjunction with any other applicable discounts.
• The delivery fee will be in accordance with New Balance delivery term and conditions.
• All product prices include VAT.
• Card payments must be made using a valid MasterCard or Visa credit card;
• There is no annual spend limit to be applied on the goods purchased;
• Standard New Balance Terms and Conditions apply;
• Multiply Terms and Conditions apply.
• New Balance FAQ: https://www.newbalance.co.za/faq
   

Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. 
• For comprehensive partner terms and conditions, please visit https://www.newbalance.co.za/terms-conditions

 
Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

1.Who may use this benefit?

• This benefit is available to all Multiply Premier, Multiply Provider and Multiply Starter members.
   

2.How this benefit works:

• Members receive the following discounted movie tickets, based on their Multiply status/level:
   

Members can purchase one movie ticket per family member registered on Multiply, plus one additional movie ticket for a friend at these discounted rates.
 

3.Benefit rules

• Members cannot watch the same movie more than once at the discounted price.
• Members cannot give their Multiply membership details after payment has been made to get a discount.
• Multiply member discounts will not be given in conjunction with other rewards membership discounts or Nu Metro specials. 
• Discounts are applicable on both 2D & 3D movies, VIP and Scene Xtreme (4DX cinemas excluded).

 
4.How to use this benefit

• Members can book with Nu Metro in four different ways:
• Online – by visiting www.numetro.co.za. Members will need to enter their credit card information and Multiply membership number.
• At the cinema wall-mounted kiosks – members can book directly at one of the self-service kiosks.  They will need to swipe their credit card and capture their Multiply membership number.
• At the cinema till points – members must present their Multiply membership card when making a booking. They will also need to give their date of birth.
• Call centre – Members can book tickets through the Nu Metro call centre by phoning: 0861 246 362. They will need to give their Multiply membership number. Multiply cannot accept responsibility if the Nu Metro server is down.

 
5.Paying for your tickets

• Please note that members can only pay with a valid MasterCard or Visa credit card when they book online, at the cinema kiosks or through the NuMetro call centre.
• Members can pay cash when they book at the cinema till points.

 
6.Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.numetro.co.za.

 
7.Nu Metro queries

• If members have any Nu Metro-related queries, they can contact them by:
• phoning: 0861 246 362 between 8:00 and 20:00,
• sending an e-mail to: [email protected], or
• visiting: www.numetro.co.za.

 
8.Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

 
9.Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Multiply members get discounts on career guidance assessments.

 
2.Who may use this benefit?

• This benefit is available to all Multiply Premier, Multiply Provider and Multiply Starter members and their children as listed per the Multiply contract.

3.How this benefit works:

• Your child qualifies for more than 50% off the price of the first assessment. Instead of paying R350 per assessment, pay only R150 with Multiply. In addition, pay only R75 for the second child and every child assessed thereafter.
• Members will pay the following on assessments:
   

4.How this benefit works:

• Your child qualifies for more than 50% off the price of the first assessment. Instead of paying R350 per assessment, pay only R150 with Multiply. In addition, pay only R75 for the second child and every child assessed thereafter.

5.How to use this benefit:

• Visit www.onlinecareerguiance.co.za 
• Members will need to register each child who will be doing the assessment on the site and provide their Multiply client number.
• The result is available as soon as payment is made and the assessment is completed.
• The discounted rates are available for only one assessment per child, per year.
• Discounted rates are charged per family.
• Valid Visa or Mastercard credit cards must be used for payments
   

6.Benefit rules:

• This benefit is only available for children/students of any age. 
• The benefit is only available to children as listed per the Multiply contract. This is validated at payment stage. 
• There are no limits on the number of children that can obtain the discounts for one Multiply member, as long as the children are dependents on the Multiply contract.
   

7.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is your responsibility to locate, read and make sure that you thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. You can consult the partner website and our client call centre. We will do our best to make sure that a
• tiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• ll the information about the partner rules and regulations included in our terms and conditions are correct, however, we cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.onlinecareerguiance.co.za.

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.
   

9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit ?

• Members earn Active Dayz™ for every training session they complete with an Affiliated Gym.

2.Who may use this benefit?

• This benefit is available to principal members and partners on Multiply Premier, Multiply Provider and Multiply Starter.

3.How this benefit works:

• All Multiply members will an Active Day per session logged.
• Only Multiply Premier and Multiply Provider members will earn points for their Active Dayz™.
   

4.How to become an “Affiliated Gym”:

• Interested independent gyms can find out all the relevant information on www.fitvault.co.za .
• Click on the “Register a Fitness Centre” tab on the site and follow the prompts to complete the process.
• Once the payment process has been selected and the registration successfully completed FitVault will provide confirmation via email to confirm contact details and when the posters will be sent. Posters will take up to 7 working days  to be delivered.
• FitVault will email the initial invoice for payment.
• On receipt of payment confirmation, FitVault will load gym’s details onto the FitVault app.

5.How to earn points:

• Members can scan the QR code on the Multiply Posters with their phones in the gym to earn their Active DayzTM and points will be allocated.
• Members need to spend a minimum of 30 mins in the gym in order to get an Active Day.

6.Affiliated Gyms queries:

• If members have any queries about their preferred Affiliated Gyms, they can contact their gym directly. 
• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.

 
7.Multiply benefit or points queries:

• If members have any queries about FitVault or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za 
   

8.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

1.What is the benefit ?

• Make every grocery shop count. Get rewarded with up to 12% in cashbacks when you shop at Pick n Pay.

2.Who may use this benefit?

• The benefit is available to main members and partners on Multiply Premier and Multiply Provider. 
• This benefit is not available to Multiply Starter members. 

3.How this benefit works:  

How to get it:

You need to belong to Multiply and Pick n Pay Smart Shopper to qualify and you need to activate the benefit to earn cashbacks.

To activate the benefit:

This is the process you need to follow to earn cashbacks for both in-store and online purchases. We’ll need your Smart Shopper number to get going.

Activate the Pick n Pay benefit by following the steps below:

• Activate the benefit for in-store and online purchases by:
• Logging into multiply.co.za and entering your Smart Shopper card number under My Partner Rewards before you start shopping, or
• Call our call centre on 0861 88 66 00.
• Please note that you will not earn cashbacks if you have not followed the steps above to activate the Pick n Pay benefit.

Using the benefit:

• To get cashbacks, ask the cashier to swipe your Smart Shopper card before you pay. If you’re shopping online, you will receive your cashbacks automatically.
• Your cashbacks are paid into your Multiply Money savings wallet within 7 days.
• View the cashbacks that have been paid into your Multiply Money savings wallet on multiply.co.za.
• This benefit is available to main members and partners on Multiply Premier and Provider.
• Cashbacks will be awarded based on your Multiply status and will be awarded on qualifying products at each cashback partner.
• Cashbacks will only be awarded if you swipe the registered Smart Shopper card that is both linked your ID with Pick n Pay and activated on multiply.co.za.
• Multiply reserves the right at any time to exempt certain products from earning cashbacks at its discretion.

At Pick n Pay, items excluded from earning cashbacks from Multiply include, but are not limited to, as prohibited by legislation:

• Fuel
• Tobacco and tobacco related products
• Pick n Pay gift cards and top-ups
• iTunes and Google Play Vouchers
• Wallet top-up
• Money transfers
• Prescription medicine and pharmaceutical goods
• Baby or nutritional formula
• Third party services and payments which include, but are not limited to electricity, USA Visa tokens, Axxess ADSL tokens, Hollard Insurance, U-Kash, SAA Cycle voucher, Austrian Visa tokens, Just Surf, Retail Bonds, all lottery tickets, transactions through SAA, bus tickets, MultiChoice, traffic fines, Splashout Mall Cards and pension payments.

View Full List Here

Standard Pick n Pay Ts & Cs apply.
Click here for Multiply Ts & Cs.

1.What You Get:

Premier:

• You qualify for a fixed discount of 25% off your monthly gym membership fees on a 12 month contract with NO activation fee.
• Additional benefits:
• No minimum gym visits are required
• You don’t pay an activation fee to join.
• Under 18s gym for free under main Members policy.

 
2.ActiveDayz™

• Every gym session will earn you one Active Day.

3.Rewards:

• Active Dayz™ together with your Healthy Heart Score and status on Multiply Premier will earn you these financial rewards if you  have  Multiply 
• Premier and the relevant Momentum products:
• Up to R3 000 per month back in HealthReturns when  you have Momentum Medical Scheme;
• Up to 60% off your life insurance premiums with Momentum Myriad;
• Up to 60% back in EmployeeReturns when you have Momentum FundsAtWork.

4.How to get it:

• You must take your green bar-coded ID document and Multiply membership card to the Planet Fitness health club of your choice. 
• When you apply with Planet Fitness please note that you will be asked to:
• Complete and application form;
• Provide Planet Fitness with your banking details for their direct collection of your monthly gym debit order;
• Pay an administration fee for your access/tag card.

5.Using the benefit:

• The benefit is based on the standard one-year Planet Fitness retail membership rate, which varies by club type and does not apply to any membership specials that Planet Fitness may run.
• Children under 18 join Planet Fitness for free, provided that the principal member and/or partner have a Planet Fitness gym membership as a Multiply Premier member. 
• A transfer between clubs or a membership downgrade requires an administration fee per transaction determined by Planet Fitness.

Standard Planet Fitness Ts & Cs apply.

1.What is the benefit ?

• Members receive 33% off their joining fees.

2.Who may use this benefit?

• The benefit is available to Multiply Premier principal members and their spouses/partners.
• This benefit is not available to Multiply Starter and Multiply Provider members.
   

3.How this benefit works:

• All Multiply Premier members get a 33% discount off the joining fee.

4.How to use this benefit:

• Members will need to register with playmoregolf www.playmoregolf.co.za and take out a membership option.
• Call playmoregolf on 0861 752 966 and speak to a sales consultant.
• Members must have their ID number or Multiply client number with them for registration.
   

5.Benefit rules:

• Only the main member and partner are eligible for these benefits.
• Any Multiply cancellations or plan changes will affect the discounted fees.
   

6.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za 
   

7.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

• Need to be a Multiply Premier member for 2 years
• Single threshold – applies to single members and/or single parents. More details in section 3.
• Family threshold – applies to families of two when the partner is the dependant, or families of three when the partner is one of the dependants. More details in the following section.

1.What is the benefit?

• Members get up to 45% discount on accommodation at Protea Hotels in South Africa.

2.Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on Multiply Premier.
• This benefit is not available to Multiply Starter or Multiply Provider members. 
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

3.How this benefit works:

• Members receive following discount on accommodation at Protea Hotels in South Africa, based on their Multiply status:
   

4.Benefit rules:

• Hotel accommodation booked through Multiply is for leisure purposes only.
• Members may not use this benefit for more than 40 days per family member in one calendar year (January to December). This includes bookings at African Pride Hotels.
• Room bookings must be for a minimum of three consecutive nights, or two consecutive nights, which include a Saturday night.
• Discounts apply to the best room rate available at the time members make a booking. The rate will change depending on the season. Discounts do not apply to any specials or promotional rates.
• The room rate does not include any extra expenses, like extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and Multiply will not accept any changes.
• Multiply members with a single membership are only allowed to book a single room. An additional nominal rate is charged for an extra person. This rate may vary between hotels. 
• Multiply members with family memberships can book a double room with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room. Members must pay the additional fee directly to the hotel. 
• Children under the age of 12 years stay for free if they share a room with their parents. Please confirm at the time of reservation if the selected room is able to accommodate children. 
• Protea Prokard members cannot earn or spend credits on bookings at the Multiply rate.
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72 hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr’s note confirming hospitalization is produced.   
• Please call the Multiply Travel Desk on 0861 100 155.

5.How to use this benefit – booking accommodation:

• Members must book through the Multiply Travel Desk at least three days before need the accommodation, by:
• phoning 0861 100 155,
• sending a fax to 012 671 8910, or
• sending an e-mail to [email protected]
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of Protea Hotels, visit http://protea.marriott.com/ 
• Multiply will e-mail the Protea Hotel voucher to the member.
   

6.Paying for your accommodation:

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.
   

7.Changing or cancelling a booking:

• Protea Hotels’ standard rules for changes apply to Multiply bookings.  Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved. 
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

8.General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• For any combination booking (flights and/or accommodation and/or car hire), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk. 
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Protea Hotels, but it is subject to additional costs and penalties as applied by Protea Hotels.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.
   

9.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior
• notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. For comprehensive partner terms and conditions, please visit http://protea.marriott.com/

10.Protea Hotels queries:

• If members have any queries about Protea Hotels, they can contact them by:
• phoning: 0861 11 9000, or
• visiting: http://protea.marriott.com/.

1. What is the benefit?

• Members receive 20% discount on the three month Real Meal Revolution Online Course which normally costs R1 500. To continue on the programme after the three month course will cost R200 per month.

2. Who may use this benefit?

• The benefit is available to Multiply Starter, Multiply Provider and Multiply Premier members.
• This benefit is available to all principal members and their spouses/partners and adult dependents.

3. How to use this benefit

• To sign up,  members can visit  www.realmealrevolution.com     

4. Benefit rules 

• The benefit is available to the principal member, partner and adult dependents on Multiply Premier, Multiply Provider and Multiply Starter.
• The standard Real Meal Revolution terms and conditions apply.
• 20% discount on the three month Real Meal Revolution Online Course which normally costs R1 500. To continue on the programme after the three month course will cost R200 per month.

5. Multiply benefit queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

6. Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled

1.What is the benefit ?

• Members get up to 40% discount on up to 12 domestic flights per calendar year.

2.Who may use this reward?

• This benefit is available to all Multiply Premier members.
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

3.How this benefit works:

• Principal members, their spouses/partners and adult dependants
• Members enjoy the following discounts (per flight class) on SAA domestic airfares, based on their Multiply Premier status: Select, Priority and Premium Flights 
• Select, Priority and Premium Flights:
• Booking Classes: S, H, K, M, B, Y, C, J, Z
   

Saver and Plus Flights:

• Booking Classes: W, G, L, V, T, Q,D
   

• The discounts above apply to the base fare portion of the ticket and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.

4. Benefit rules:

• If a BRONZE – PRIVATE CLUB member books more than 12 flights their discount will revert to 10% or 5% depending on the booking class booked.
• Members may not book directly with the airline. Bookings may only take place through the Multiply Travel Desk.
• Multiply will not be held responsible for the partner app downtime. Members are advised to make use of other channels to make a booking. 
• Business Class bookings are allowed, but the booking will count as 2 Economy class bookings.
• No Multiply discount will apply to any changes made to flight bookings.
• No Multiply discount will apply to any changes made to flight bookings. Any additional charges to changes made on flight bookings will be for the members account.
• Children who qualify for the applicable discount will not be catered for by SAA in the event they travel with a non-member adult.
• Select, Priority & Premium Flight classes: S, H, K, M, B, Y, C, J, Z
• Saver & Plus Flight classes: W, G, L, V, T,Q, D
• Note that for booking classes S & H in “Plus”, they will be given “Select” discounts.

5.How to use this benefit – booking a flight:

• Members cannot book directly with SAA, but only through the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected]
• Members will need their Multiply client number and ID number when they make a booking.
• Flights prices are subject to change without prior notice.
• Multiply will e-mail members their SAA travel itinerary and booking reference number to them.
• Bookings must be made within a minimum of 3 working days prior to the date of departure. Any bookings made after this point will not be guaranteed and immediate payment will be required to secure the booking.
   

6.Paying for your flights:

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.
   

7.General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply discounts are only available for certain routes and destinations, according to the specific code share agreements of SAA.
• Members may contact the Multiply travel desk for the complete list of destinations and routes eligible for Multiply discounts. 
• For any combination booking (flights and/or accommodation and/or car hire), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are refundable as per the Airlines rules and regulations. Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for SAA, but it is subject to additional costs and penalties as applied by SAA.
• Bookings may not be held for later completion, hence must be booked and issued immediately.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.
   

8.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.flysaa.com.
   

9.Multiply Travel Desk queries:

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

10.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning:0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za. 
   

11.Ending the benefit:

• For any confirmed bookings:
• The SAA  benefit will honour bookings that have already been made, even if the Multiply membership is cancelled. 
• The benefit may be denied if members do not comply with the terms and conditions of www.flysaa.com.
• For any future bookings:
• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Members get up to 40% discount on up to 2 international flights per calendar year.

2.Who may use this reward?

• This benefit is available to all Multiply Premier members.
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

3.How this benefit works:

• Principal members, their spouses/partners and adult dependants
• Members enjoy the following discount s (per flight class) on SAA international airfares, based on their Multiply Premier status:
   

Select, Priority and Premium Flights:

• Booking Classes: S, H, K, M, B, Y, C, J, Z
   

Saver and Plus Flights:

• Booking Classes: W, G, L, V, T, Q, D
   

• The discounts above apply to the base fare portion of the ticket and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.

4.Benefit rules:

• If a BRONZE – PRIVATE CLUB member books more than 2 flights their discount will revert to 10% or 5% depending on the booking class booked.
• Members may not book directly with the airline. Bookings may only take place through the Multiply Travel Desk.
• Multiply will not be held responsible for the partner app downtime. Members are advised to make use of other channels to make a booking. 
• Flights booked through Multiply are for leisure purposes only and must span a minimum of 3 days and a maximum of 12 months.
• Business Class bookings are allowed, but the booking will count as 2 Economy class bookings. PLEASE BE ADVISED that this applies to all international Airlines on Multiply, in other words should a Member use of this option, the Member will be prevented from making use of this option on another Multiply affiliated airline. Members receive 2 (two) international return flights per annum, hence a Members converts 1 (one) business class return per annum. Flights depart only out of South Africa and return to South Africa. 
• No Multiply discount will apply to any changes made to flight bookings.
• No Multiply discount will apply to any changes made to flight bookings.Any additional charges to changes made on flight bookings will be for the members account.
• Select, Priority & Premium Flight classes: S, H, K, M, B, Y, C, J, Z
• Saver & Plus Flight classes: W, G, L, V, T, Q, D
• Note that for booking classes S & H in “Plus”, they will be given “Select” discounts.
• Routes and destination may change without prior notification.
• Bookings are ONLY for a return trip.
• Flights can ONLY be booked out of South Africa.
• Members must ensure that they take out the necessary travel insurance when traveling overseas. Multiply offers travel insurance at a discount (see Travel Insurance Consultants (TIC)).
• Children who qualify for the applicable discount will not be catered for by SAA in the event they travel with a non-member adult.
• The member discount and the ticket price is non-negotiable.
   

5.How to use this benefit – booking a flight:

• Members cannot book directly with SAA, but only through the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected]
• Members will need their Multiply client number and ID number when they make a booking.
• Flights prices are subject to change without prior notice.
• Multiply will e-mail members their SAA travel itinerary and booking reference number to them.

6.Paying for your flights:

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

7.General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control. 
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply discounts are only available for certain routes and destinations, according to the specific code share agreements of SA.A.
• Members may contact the Multiply travel desk for the complete list of destinations and routes eligible for Multiply discounts.
• For any combination booking (flights and/or accommodation and/or car hire), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk.
• Bookings may not be held for later completion, hence must be booked and issued immediately.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are refundable as per the Airlines rules and regulations. Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for SAA, but it is subject to additional costs and penalties as applied by SAA.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.
   

8.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.flysaa.com.
   

9.Multiply Travel Desk queries:

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected]

10.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za 
   

11.Ending the benefit:

• For any confirmed bookings:
• The SAA benefit will honour bookings that have already been made, even if the Multiply membership is cancelled. 
• The benefit may be denied if members do not comply with the terms and conditions of www.flysaa.com.
• For any future bookings:
• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.Safety Score, Multiply Points and Safety Bonus

• Each answer provided by you on the questionnaire will be allocated a score and the points are added to determine your Safety Score.
• Momentum requires certain answers provided by you in the Safety Score questionnaire to be validated. Once these answers are validated, the points for these questions will be allocated to your  Safety Score.  In order to validate your answers, you are required to submit certain documents.
• If you are a Multiply client, you are eligible to earn Multiply points for completion of the Safety Score.
• If you are a policyholder of a Momentum short term insurance personal lines policy, you are potentially entitled to receive a Safety Bonus, subject to the conditions stipulated herein.
• The quantum of the Safety Bonus is dependent on your Safety Score, the number of SafeDayz achieved in a month and your Multiply status.
• Momentum will accrue the applicable percentage of your paid premiums on a monthly basis towards your Safety Bonus.
• If there are gaps in cover, the Safety Bonus amount will not accrue for those months.
• Should any of your circumstances subsequently change which may impact the answers provided by you on the Safety Score questionnaire, you are required to update the Safety Score questionnaire.
• Details of your Safety Bonus will be noted on your policy schedule.
• In the event that you update your validation documents, your Safety Score will be updated within 5 (five) days.
• You are required to update your latest validation documents to maintain your Safety Bonus levels.
• In the event that you fail to update your validation documents, your Safety Bonus level will be reduced accordingly.
• Momentum reserves the sole discretion to determine and change from time to time, all calculations,  criteria and business rules relating to Safety Score.

2.Safety Bonus Rules

• The following conditions are applicable in respect of payment of the Safety Bonus:
• Your policy must be active up until the day before your policy anniversary, in order for you to be entitled to payment of the Safety Bonus.
• The Safety Bonus will be paid  to you within six weeks of the anniversary of your short term insurance personal lines policy.
• If you cancel your policy prior to the day before your policy anniversary, you will not be entitled to payment of a pro-rata Safety Bonus.
• If we cancel your policy in accordance with the cancellation provisions stipulated in the policy, you will not be entitled to payment of a pro rata Safety Bonus.
• The Safety Bonus will be paid into the account of the person responsible for the payment of premium, unless you specifically request that it be paid into a different bank account.

3.Disclaimer

• In using Safety Score you accept that Momentum gives no warranty, expressed or implied, as to the reliability or correctness of any information, output, recommendations, guidelines, formulae or calculations provided through the use of Safety Score, and Momentum does not accept any liability for loss or damage of whatsoever nature, including direct, indirect, special, incidental, consequential or punitive loss or damage, which may be attributable directly or indirectly to the use of or  reliance upon any such information or services provided through Safety Score. All calculations or other content is not intended to and does not constitute advice of any nature and you indemnify Momentum against any such loss arising from your reliance on any information, calculation or recommendation obtained by your use of Safety Score.
• Any disclosures made by you arising out of the use of Safety Score will only impact your entitlement to the Safety Bonus and will have no impact on the validity of any claim arising from your short-term insurance personal lines policy. Your policy contract will continue to govern the validity of any claim submitted by you.

4.Complaints

• If submitting a complaint regarding Safety Score you will follow the standard Momentum complaints process.

1.What is the benefit?

• Members get up to 80% total discount, which includes up to 60% discount on monthly gym fees (depending on how often they visit the gym), and an
• extra 20% discount for achieving and maintaining good fitness levels.

2.Who may use this benefit?

• Multiply members who joined the Save as you Gym™ benefit before the 31st December 2016.
• This benefit is available to principal members and their spouses/partners on Multiply Premier.
• This benefit is not available to Multiply Starter and Multiply Provider members.
• For more detailed information, please read the sections on Virgin Active and Planet Fitness respectively.

3.More about Multiply’s Save as you Gym™

• Multiply introduced the Save as you Gym™ benefit in 2007 to positively incentivising members to be more active and exercise more regularly.
• Over the past several years, members have experienced the positive effects of the Save as you Gym™ benefit and it has become one of the
• cornerstones of the Multiply programme.

4.How to use this benefit:
Joining the gym:

• When members join the gym for the first time, they must:
• take their ID document and Multiply membership card to the gym of their choice,
• complete their application process,
• pay their card fee,
• pay the compulsory one-off activation fee of R749 for the principal member and spouse/partner (per person), and
• give their banking details for the collection of their monthly debit order

5.Earning the discounts:

• Members qualify for the following monthly gym membership fee discounts on the Save as you Gym™ benefit:
• A guaranteed Gym Visit Discount of 60% on their monthly gym membership fee for the first six months of their membership.
• Gym Visit Discount of between 20% and 60%, based on average gym visits over a rolling three-month period to a maximum of R500 from
• month one onwards.
• An additional Fitness Discount of 20% for completing a fitness assessment.
• Please note: The overall discount is limited to R500 per member per month, based on the sum of the two discounts above.
• The following table summarises the Save as you Gym™ benefit for principal members and their spouses/partners from the seventh month onwards:

• Multiply will base the visits on average visits over a rolling three-month period. Multiply will apply the discount with a one-month lag.
• The Fitness Discount will only apply if a member completes a fitness assessment.
• The total combined monthly discount will not exceed R500 per member, per month.

6.Rules for calculating the monthly fees:

• Pro-rata billing in the first month of gym membership
• Members can choose one of the following options when joining the gym:
• join on the first of a month,
• Planet Fitness members can future-date their gym membership activation date to the beginning of a new month (future-dated joining
• can only be on the first of the following month),
• activate their membership with immediate effect (on any day in a month). With this option (i.e. after the first day of the month),
• Multiply will apply pro-rata billing to calculate the membership fee (before applying the Save as you Gym™ discount)

 
7.Monthly discount:

• Members qualify for the following monthly discounts:
• A guaranteed Gym Visit Discount of 60% on your monthly gym membership fee for the first six months of your membership.
• Gym Visit Discount of between 20% and 60% based on your average gym visits over a rolling three-month period to a maximum of R500 from month one onwards.
• An additional Fitness Discount of 20% for completing a fitness assessment.
• For more detailed information on the benefit rules and earning Multiply points, please read the sections on Virgin Active and Planet Fitness
• respectively.
   

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact us by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

1.What is the benefit ?

• With Multiply’s Save as you Gym™ benefit, members get up to 80% total discount, which includes up to 60% discount on monthly gym fees
• (depending on how often they visit the gym), and an extra 20% discount for completing a fitness assessment. This benefit is also available at Planet
• Fitness Just Gyms.

2.Who may use this benefit?

• Multiply members who joined the Save as you Gym benefit before the 31st December 2016.

3.How to use this benefit:

• Principal members and their spouses/partners
• Earning the monthly discounts:
• Members qualify for the following monthly discounts:
• For Save as You Gym™ members, a guaranteed Gym Visit Discount of 60% on their monthly gym membership fee for the first six months of their membership.
• Gym Visit Discount of between 20% and 60%, based on the average gym visits over a rolling three-month period to a maximum of R500 (not available to adult dependants) from the member’s seventh month onwards.
• An additional Fitness Discount of 20% if they have completed a fitness assessment.
• This discount will fall away once the fitness assessment results are older than six months.
• Please note: The overall discount is limited to R500 (not available to adult dependants) per member per month, based on the sum of the two
• discounts above.

The following table summarises the Save as you Gym™ benefit:

• Multiply will base the visits on the average visits over a rolling three-month period. Multiply will apply the discount with a one-month lag.
• The Fitness Discount will only apply if a member completes a fitness assessment.
• The total combined monthly discount will not exceed R500 per member, per month.

4.Benefit rules:

• The benefit is based on the standard one-year Planet Fitness retail membership rate, which varies by club type, and does not apply to any membership specials that Planet Fitness runs.
• A principal member and partner may be members of different health club groups (i.e. Virgin Active and Planet Fitness), but neither of them may belong to both health club groups simultaneously through Multiply.
• If members use the Multiply Planet Fitness benefit, you cannot join Virgin Active at the discounted Multiply rates. However, if you join Virgin Active as a self-paid member, you will be able to earn Multiply points for training at Virgin Active clubs.
• Members need to visit the gym at least twice a month (24 times a year) to enjoy the Save as you Gym™ benefit. Multiply will measure members’ visits over a rolling 12-month period. If members do not reach the 24-visit requirement in 12 months, their monthly discount will reduce to a 10% discount on their gym fees. To reactivate the Save as you Gym™, members do not need to pay a reactivation fee, but will have to increase their visits to reach the minimum 24 visits over a rolling 12-month period. When members have reached the 24-visit requirement, the Save as you Gym™ benefit will be reactivated.
• Multiply will only record one visit per day for the purpose of earning Multiply points and for the minimum gym visit requirement.
• Members are responsible for making sure that the gym accurately records their visits. If the Planet Fitness system is offline, members must ask that their visits are recorded manually in the register at reception.
• Members can check the number of gym visits recorded for a particular month, as well as the number of visits in the last 12-month rolling period by logging onto www.momentum.co.za/multiply or www.planetfitness.co.za.
• Multiply will pause the 12-month rolling period only if a member cannot gym for a period of six months or longer. The member must inform Multiply in advance if they will not be able to attend the gym. Members must submit the request not to have their gym membership cancelled in writing, along with the required proof. Multiply will make no exceptions or allowances for illness or travel for less than two months when they determine the monthly discounts.
• If members change club type during a month, Multiply will only charge the adjusted monthly fee from the following month.
• A transfer between health clubs or a membership downgrade/upgrade requires an administration fee per transaction, as determined by Planet Fitness. Please call Planet Fitness directly on 0861 496 463 for the relevant fee.
• A financial adviser or consultant cannot register on members’ behalf.

5.Paying for this benefit:

• Members must pay all recurring membership fees monthly in advance.
• Multiply will cancel the gym membership if members do not pay the recurring monthly gym fee.
• Multiply will reinstate the gym membership if:
• the reinstatement occurs within two months of the date of cancellation, and
• the member has paid all unpaid recurring gym fees accrued during the cancellation period. (Multiply will base unpaid recurring fees during the period of cancellation on the standard monthly recurring fee for the club type.)

6.Planet Fitness queries:

• If members have any queries about Planet Fitness, their standard terms and conditions, their facilities, health clubs, or upgrading/cancelling your Planet Fitness membership, members can contact them by:
• phoning: 0861 GYM 4 ME (496 463), or
• visiting: www.planetfitness.co.za.

Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the
member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this
partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre.
Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions
are correct, however, Multiply cannot guarantee the accuracy of the information.

7.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning:0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

8.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.
• Please note that members must pay the standard monthly fee for at least 12 months from signing up for the Multiply Planet Fitness benefit. If membership is cancelled within 12 months from joining, members will still be liable for the monthly fee until this 12-month period is over.

9.How to cancel your Multiply Planet Fitness membership:

• Please note: There is a twenty one-day cooling-off period when members join. When members sign their Multiply Planet Fitness contract for the first time, there is a twenty one cooling-off period during which members are allowed to cancel the contract and get a refund for any money they have paid.
• The Multiply Planet Fitness membership is made up of two components: the contract with Planet Fitness and the Multiply discount. Members must cancel both these components by taking the following respective steps:
• Contact Multiply to inform them that membership must be cancelled. There is a one-month notice period for cancelling member discounts:
• If Multiply processes the cancellation before the 10th of the month, the discount notice period will run until the end of the current month.
• If Multiply processes the cancellation after the 10th of the month, the discount notice period will run until the end of the following month.
• The discounted membership will stop at the end of the notice period.
• During the notice period, members may not start a Planet Fitness benefit through Vitality.
• For more detailed information, please also read the Planet Fitness contract that was signed when the member initially joined the gym.

1.What is the benefit ?

• With Multiply’s Save as you Gym™ benefit, Multiply Premier members get up to 80% total discount, which includes up to 60% discount on monthly
• gym fees (depending on how often they visit the gym), and an extra 20% discount for completing a fitness assessment.

2.Who may use this benefit?

• This benefit is available to:
• Multiply members who joined the Save as you Gym™ benefit before the 31st December 2016.

3.How to use this benefit:

• Earning the monthly discounts:
• Members qualify for the following monthly discounts:
• For Save as You Gym™ members, a guaranteed Gym Visit Discount of 60% on their monthly gym membership fee for the first six months of their membership.
• Gym Visit Discount of between 20% and 60%, based on the average gym visits over a rolling three-month period to a maximum of R500 (not available to adult dependants) from the member’s seventh month onwards.
• An additional Fitness Discount of 20% if they have completed a fitness assessment.
• This discount will fall away once the fitness assessment results are older than six months.
• Members can do a fitness assessment at a registered biokineticist from Virgin Life Care.
• Please note: The overall discount is limited to R500 (not available to adult dependants) per member per month, based on the sum of the two
• discounts above.

The following table summarises the Save as you Gym™ benefit:
 

• Multiply will base the visits on the average visits over a rolling three-month period. Multiply will apply the discount with a one-month lag.
• The Fitness Discount will only apply if a member completes a fitness assessment.
• The total combined monthly discount will not exceed R500 per member, per month.

Adult dependants

• Save as you Gym™ benefits:

The following table summarises the Save as you Gym™ benefit for adult dependants:
 

• Multiply will base the visits on the average visits over a rolling three-month period. Multiply will apply the discount with a one-month lag.
• The Fitness Discount will only apply if a member completes a fitness assessment.
• The total combined monthly discount will not exceed R400 per member, per month.

4.Benefit rules:

• The benefit is based on the standard one-year Virgin Active retail membership rate, which varies by club type, and does not apply to any
• membership specials that Virgin Active runs.
• Existing Virgin Active members may take up the Multiply benefit after they have served the relevant Virgin Active notice period.
• A principal member and partner may be members of different health club groups (i.e. Virgin Active and Planet Fitness), but neither of them
• may belong to both health club groups simultaneously through Multiply.
• If members use the Multiply Virgin Active benefit, they cannot join Planet Fitness at the discounted Multiply rates. However, if they join Planet Fitness as a self-paid member, they will be able to earn Multiply points for training at Planet Fitness clubs.
• Members need to visit the gym at least twice a month (24 times a year) to enjoy the Save as you Gym™ benefit. Multiply measure visits over a rolling 12-month period. If members do not reach the 24-visit requirement in 12 months, their monthly discount will reduce to a 10% discount on their gym fees. To reactivate the Save as you Gym™, they do not need to pay a reactivation fee, but will have to increase their visits to reach the minimum 24 visits over a rolling 12-month period. When they have reached the 24-visit requirement, the Save as you Gym™ benefit will be reactivated.
• Multiply will only record one visit per day for the purpose of earning Multiply points and for the minimum gym visit requirement.
• Members are responsible for making sure that the gym accurately records their visits. If the Virgin Active system is offline, members must ask that their visits are recorded manually in the register at reception.
• Members can check the number of gym visits recorded for a particular month, as well as the number of visits in the last 12-month rolling
• period by logging onto www.momentum.co.za/multiply or www.virginactive.co.za.
• Multiply will pause the 12-month rolling period only if a member cannot gym for a period of six months or longer. The member must inform Multiply in advance if they will not be able to attend the gym. The member must submit the request not to have their gym membership cancelled in writing, along with the required proof. Multiply will make no exceptions or allowances for illness or travel for less than two months when the monthly discounts are determined.
• If members change club type during a month, Multiply will only charge the adjusted monthly fee from the following month.
• A transfer between health clubs or a membership downgrade/upgrade requires an administration fee per transaction, as determined by Virgin Active. Please call Virgin Active on 0860 200 911 for the relevant fee.
• If members have a Club membership and want to pay a once-off visit to another club that is not their home club, they must pay a guest fee. Guest fees vary from club to club, so please enquire at the particular club’s reception for details about their guest fee.
• A financial adviser or consultant cannot register on the member’s behalf.

5.Paying for this benefit:

• Members must pay all recurring membership fees monthly in advance.
• Multiply will cancel the member’s gym membership if they do not pay the recurring monthly gym fee.
• Multiply will reinstate their gym membership if:
• the reinstatement occurs within two months of the date of cancellation, and
• the member has paid all unpaid recurring gym fees accrued during the cancellation period. (Multiply will base unpaid recurring fees during the period of cancellation on the standard monthly recurring fee for the club type.)

6.Virgin Active queries:

• If members have any queries about Virgin Active and their facilities, health clubs, or upgrading/cancelling their Virgin Active membership, they can contact them by:
• phoning: 0860 200 911, or
• visiting: www.virginactive.co.za.
• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the
• member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this
• partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre.
• Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions
• are correct, however, Multiply cannot guarantee the accuracy of the information.

7.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

8.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.
• Please note that members must pay the standard monthly fee for at least 12 months from signing up for the Multiply Virgin Active benefit. If their membership is cancelled within 12 months from joining, members will still be liable for the monthly fee until this 12-month period is over.

9.How to cancel Multiply Virgin Active membership:

• Members must cancel their Virgin Active contract directly with Multiply
• Virgin Active’s standard cancellations rules will apply, which is included in the contract you initially signed when you joined the gym. This usually includes a cancellation fee that is linked to the outstanding balance of a 12-month contract.
• During the cancellation notice period, you cannot activate a Planet Fitness benefit through Multiply.

We strive to meet our commitment to you, if we fail to deliver on our service commitment, we will pay you R50.
The terms and conditions, as set out below, apply to the Multiply Service Commitment. As a Multiply member, these are what you agree to so please read carefully as it is important to us that you understand them.

The essentials of this commitment

• As a Multiply member, you can earn R50 cashbacks or choose that we donate R50 on your behalf to the MMI Foundation Youth Employment initiative (click here for more information on the MMI Foundation http://www.mmifoundation.org.za/), see Service Commitment details here.
• Your phone calls and emails (i.e. service requests) need to be made to the following contact centres within the specified business hours:
   

How do I qualify for the service commitment?

• This is only applicable to Multiply Members.
• You qualify for the service commitment pay-out (R50 cashbacks or R50 donation) if the following statements are true:
• You are a member (main member/spouse/dependant) with an active Multiply membership (Premier, Provider or Starter).
• You have an “active” Multiply Money facility (if you don’t have a Multiply Money facility, Multiply service agents will immediately open one for you).
• Your call went to our automated voice response system and the call ended before a conversation had started (this is if you had selected any of the voice prompt options).
• OR
• You called us from a telephone number which is directly linked to you / is the same as the number registered on our system which makes it easy to contact you.
• OR
• You sent the email service request to the correct email address and we have not acknowledged receipt with 24 (twenty four) hours.

What must I do to submit a service commitment claim?
In order to claim, you have to qualify and do the following:

1. Let us know by phone or email.
2. Our agent will log the claim on your behalf.
3. Choose whether you want the cashbacks or want to make a donation to MMI Foundation.
4. You will receive confirmation of the outcome via email within 48 hours.

What will we do before we pay you?
Check and investigate the validity of the claim.

Further conditions:

1. If you qualify and your claim is successful, you will be able to choose either to receive R50 cashbacks in your Multiply Money facility or to make a R50 donation to the MMI Foundation.
2. If you choose to donate R50 to the MMI Foundation, then you give up your claim to the R50 cashbacks.  
3. The service commitment is not open to any MMI Holdings Limited staff members and any of the dependants on their Multiply plan.
4. We will call you at the number you called us from. If there’s no success (and where possible) we will leave you a voice message.
5. This service commitment is not applicable:
6. to multiple enquiries from brokers, partners or other 3rd parties.
7. to enquiries received via the Multiply website, social media, Multiply webchat, Momentum and Multiply Money app.
8. Contributions will be made to MMI Foundation initiative where the member does not have a active Multiply Money facility.
9. 1 (one) “failure” for 1 (one) query (i.e. if we either, don’t call you back OR we don’t respond to your email within 24 hours.
10. The Multiply Service Commitment will run for a limited period. Multiply reserves the right to discontinue the campaign at its own discretion.  
11. Your R50 cashbacks will reflect in your Multiply Money facility within 48 (forty eight) working hours.
12. The R50 cashbacks is not transferrable and cannot be exchanged for cash.
13. Once you have chosen to either receive R50 cashbacks or to make a R50 donation, any requests to change or reverse it your choice will not be accepted unfortunately.  
14. You will receive an email confirming the R50 cashbacks or R50 donation to the MMI Foundation within 48 hours.  
15. We will make an annual payment (during December) of all the donations to the MMI Foundation.
16. In instances of system downtime (affecting multiple clients at the same time) we will make a once off contribution of R250 to MMI Foundation.
17. A service commitment claim must be submitted within 1 (one) month from our failure to enable effective handling of your claim.

1.What is the benefit ?

• Members can join Smokenders for 25% less.

2.Who may use this benefit?

• The benefit is available to Multiply Starter, Multiply Provider and Multiply Premier members.
• This benefit is available to all principal members and their spouses/partners.
   

3.How this benefit works:

• Members get a 25% discount off the retail price.

4.How to use this benefit:

1. If you want to stop smoking, send an email to [email protected] or call 072 896-5166
2. You will then receive a Booking Form via email. This will have dates and venues of upcoming courses, and you complete and return it to book your place.
3. Registration Forms can be completed on arrival at the venue. Please take your ID and Multiply Client Number with you, as well as a pen and your cigarettes.
4. Your discounted fee can be paid before the first session, via online banking or in cash at the first meeting.
5. You need to attend a 2 hour seminar once per week for 6 weeks in order to complete the course.

5.Benefit rules:

• The benefit is available to the principal and partner on Multiply Premier, Multiply Provider and Multiply Starter.
• The standard Smokenders terms and conditions apply.
   

6.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za 
   

7.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit ?

• Members get up to 100% discount on any of the TaxTim Individual tax products.

2.Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on Multiply Starter, Provider and Premier.
• Adult dependants are not eligible for TaxTim and SARS eFiling submissions.

3.How this benefit works:

• All members receive the Lite, Smart or Ultra TaxTim packages for FREE.

4.Benefit rules:

• This benefit is available to all principal members and their spouses/partners on Multiply Starter, Provider and Premier.
• Adult dipendents registered on the Multiply policy are eligible for TaxTim and SARS eFiling submissions.
• TaxTim is not a subscription service, so clients do not need to make a cancellation to stop future payments being deducted. If clients want to cancel from the TaxTim mailing list then there are unsubscribe links provided for that.
   

5.How to use this benefit:

• Go to the TaxTim website 
• Register by creating your user profile and start your journey. 
• On the package selection page, enter your Multiply client number, ID number or passport number. Your discount will be automatically calculated. 
• Choose the TaxTim package that is most suited to you. 
• Link your SARS eFiling account to TaxTim
• Answer TaxTim’s simple questions online. TaxTim uses your answers to complete your tax return instantly and professionally while making sure that you are claiming for all the deductions applicable to you and that your return meets the SARS compliance regulations. 
• Once completed, TaxTim submits your tax return to SARS for you with just one click. ​
   

6.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. For comprehensive partner terms and conditions, please visit www.taxtim.com/za/tos

7.TaxTim queries:

• If members have any tax related queries, they can contact TaxTim by:
• visiting the TaxTim helpdesk
   

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za  
   

9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Members get up to 50% discount on One-Day International (ODI) cricket matches and up to 80% discount on One-Day Domestic (ODD) cricket matches when they book online with Multiply.

2.Who may use this benefit?

• This benefit is available to all Multiply Premier, Multiply Provider and Multiply Starter members.

 
3.How this benefit works:

• Momentum has partnered with Cricket South Africa to offer members discounted tickets or promotional packages for the One Day International (ODI), One Day Domestic (ODD), International T20, Domestic T20 and Test Series cricket matches through TicketPros. 
• Members receive the following discounts on cricket tickets, based on your Multiply status:
   

4.Benefit rules:

• Multiply Premier members can purchase one discounted ticket per member on their Multiply contract per match.
• Multiply Starter members can purchase two discounted tickets per contract per match.
• Multiply Provider members can purchase four discounted tickets per contract per match.
• Multiply Premier members will be entitled to one free grass/family area ticket for each of the ODD matches for each member on their Multiply contract. If the number of members is less than four, Multiply will allocate four free tickets.  For example: If a member has a partner and one dependent (total of three members), Multiply will allocate four free tickets. If members have a partner and three dependents (total of five members), Multiply will allocate five free tickets. 
• Free grass tickets for the ODD games will be subject to availability and Multiply will issue tickets on a “first come, first served” basis. 
• Discounted tickets are subject to availability.
• Discounted and free tickets are only available through www.ticketpros.co.za. No discounted or free tickets can be bought at the stadia.
• Once discounted tickets are sold out, you can buy additional tickets at the full price. 

 
5.How to use this benefit:

• Members can only buy tickets online by logging onto the TicketPros website (www.ticketpros.co.za) and using their Multiply membership details.
• Members can call us on 0861 88 66 00 if they experience any difficulties booking tickets.
• Members must collect their tickets as set out in the TicketPros rules:
• Collect the tickets from a selected retail outlet 
• members will get a list of outlets near them and near the venue after payment is processed. 
• Collect tickets at least one day before the event. 
• Members can collect their tickets from Monday to Friday and Saturday mornings. 

 
6.Paying for your tickets:

• Members can only pay with a valid MasterCard or Visa credit card, or through PayFast.

 
7.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. For comprehensive partner terms and conditions, please visit www.ticketpros.co.za.

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

 
9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Members can cycle with the Toyota SuperCycling Club and pay no monthly fee.

2.Who may use this benefit?

• The benefit is available to Multiply Premier principal members and their spouses/partners.
• This benefit is not available to Multiply Starter and Multiply Provider members.

 
3.How this benefit works:

• All Multiply Premier members pay an initial joining fee and receive free monthly membership. Members will also earn Active Dayz™

 
4.How to use this benefit:

• Members need to visit their closest Toyota SuperCycling Club and present their Multiply member card or client number.
• Existing Toyota SuperCycling Club members should visit their nearest club and present their Multiply member card or client number to arrange to receive the discount.
• Look out for Multiply swipe devices installed in all of the clubs. Members need to swipe their Multiply card before each cycle to earn an Active Day.

 
5.Benefit rules:

• The benefit is only available to the main member and partner on the Multiply Premier contract.
• Both existing and new Toyota SuperCycling Club members can make use of the benefit.

 
6.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

7.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

What You Get:

1.Premier:

• You qualify for a fixed discount of 25% off your monthly gym membership fees on a 12 month contract with NO activation fee.
• Additional benefits:
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
• You don’t pay an activation fee to join.
• 50% off for under 18's at Club V and Club V Max

Active  Dayz™:

• Every gym session will earn you one Active Day.

Rewards:

• Active  Dayz™  together  with  your  Healthy  Heart  Score  and  status  on  Multiply  Premier  will  earn  you  these  financial  rewards  if  you  have  Multiply Premier and the relevant  Momentum products:
• Up to R3 000 per month back in HealthReturns when  you have Momentum Medical Scheme;
• Up to 60% off your life insurance premiums with Momentum Myriad;
• Up to 60% back in EmployeeReturns when you have Momentum FundsAtWork.

 
2.Provider:

• You qualify for a fixed discount of 10% off your monthly gym membership fees on a 12 month contract with NO activation fee.
• Additional benefits:
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
• You don’t pay an activation fee to join.

Active  Dayz™ ​

• Every gym session will earn you one Active Day.

Rewards:

• As a Multiply Provider and Momentum Medical Scheme member, Active Dayz™ ​together with your Healthy Heart Score and status can earn you up to R3 000 per month back in HealthReturns.

3.Starter:

• You qualify for a fixed discount of 10% off your monthly gym membership fees on a 12 month contract with NO activation fee.
• Additional benefits:
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
• You don’t pay an activation fee to join.

4.How to get it:

• You must take your green bar-coded ID document and Multiply membership card to the Virgin Active health club of your choice. 
• When you apply with Virgin Active please note that you will be asked to:
• Complete and application form;
• Provide Virgin Active with your banking details for their direct collection of your monthly gym debit order;
• Pay an administration fee for your access/tag card.
• Note that Virgin Active will collect your monthly debit order on the first of every month. Should you have joined Virgin Active in the middle of  a previous month the next month’s premium will include the additional first month’s premium.  

5.Using the benefit:

• The benefit is based on the standard one-year Virgin Active retail membership rate, which varies by club type and does not apply to any membership specials that Virgin Active may run. 

Standard Virgin Active Ts & Cs apply

1. Weekly Wins

   Weekly Wins is a reward offered to Multiply Premier members who meet their weekly (Monday to Sunday) physical activity goals.

2. Benefit eligibility

• Multiply Premier main members and partners only
• Members who have linked their activity tracking device to their Multiply profile and who complete Weekly Wins activities.

3. Physical activities eligible for Weekly Wins

• Only activity logged through an activity tracking device which has been linked to your Multiply profile is eligible for Weekly Wins
• This includes earning 300 calories per session, 10 000 steps a day, completing an elite event or a Parkrun.
• Gym visits do not qualify for Weekly Wins
• Members who have an iPhone or Samsung phone can download the FitVault app and link the health app to FitVault. When a sync is performed, all activity information will be passed to Multiply.

4. Earning Weekly Wins

• Achieve your weekly physical activity target to earn a Weekly Win.
• Sync your device daily to determine if you have achieved your weekly target
• Choose your treat.

5. Device syncing

• Sync your device daily to see if you have achieved your Weekly Wins activity or;
• Sync your device every Sunday to see if you have achieved a Weekly Win.
• Syncing is permitted up until midnight on Wednesday to earn a Weekly Win for the previous week.

6. Selecting treats

• You can select a treat as soon as you have achieved a Weekly Win.
• You will have 7 (seven) days to select a treat, from the Monday following the week in which the Weekly Win was achieved.
• Log in to multiply.co.za to select your treat.

7. Weekly Wins treats

• One (1) treat may be selected for each Weekly Win achieved.
• Members may select one of the following treats from our Weekly Wins partner – Wimpy:
• Regular Caffè Latte
• Regular Cappuccino
• Regular Coffee
• Regular Americano
• Single Espresso
• Double Espresso
• Regular Filter Coffee
• Chai Tea Latte
• Regular Tea
• Rooibos Tea

8. Coupons rules

• Once the treat is selected, a coupon will be issued with a coupon code via SMS and on multiply.co.za.
• The coupon code must be provided at the Wimpy point of sale in order to be redeemed.
• The coupon may not be exchanged for cash or swapped for another menu item./li>
• Coupons are valid for 14 (fourteen) days from date of issue.
• No replacement coupons are provided for expired coupons.
• Multiply coupons may be used for a single transaction.
• The coupon may not be used in conjunction with any other promotion or discount.

9. Contract termination

• A member will not be eligible to earn Weekly Wins if their Multiply membership has terminated within the last earn period.
• Coupons issued which are still valid will not be affected.

10. Multiply or Weekly Wins queries:

• If members have any queries about Weekly Wins or Multiply rewards, they can contact Multiply by calling
• 0861 88 66 00 or emailing [email protected]

1.What is the benefit?

• Unlock your unique potential at Zone Fitness Clubs, with state-of-the-art facilities, comprehensive aerobic instruction, studios and professional trainers. Zone Fitness Clubs provides affordable and personal membership packages in 25 un-intimidating clubs across the country, making health and fitness more accessible to everyone.

2.What you get
Premier

• You get a fixed discount of 45% when you sign up for a 12 month SuperClub or SingleClub membership with Zone Fitness Clubs.
• Additional benefits: No minimum gym visits are required, i.e. your discount will not be calculated according to the number of times you attended gym.

Active Dayz™:

• In addition to your discounted membership fee, your physical activity also earns you great rewards. Every gym session will earn you one active day. Active Dayz™ together with your Healthy Heart Score and status on Multiply Premier will earn you great financial rewards.

Provider

• The Zone Fitness Clubs benefit is not available to members on Multiply Provider. Upgrade to Multiply Premier.

 
Starter

• The Zone Fitness Clubs benefit is not available to members on Multiply Starter. Upgrade to Multiply Premier.

3.How to get it

• You must take your Smart ID card or green bar-coded ID and Multiply membership card to the Zone Fitness Club of your choice. 
• When you apply with Zone Fitness Clubs, you will need to:
• Complete a membership agreement.  
• Provide Zone Fitness Clubs with your banking details for their direct collection of your monthly gym debit order.
• Pay your R100 card and joining fee
• Note that Zone Fitness Clubs will collect your monthly debit order on the last or first working day of every month, depending on the branch you join. If you joined Zone Fitness Clubs in the middle of a month, you can start using the facilities immediately, at no cost, and your first installment will only be at the end of the month.

4.Using the benefit

• The benefit is based on the standard 12 month membership contract rate, and does not apply to any membership specials that Zone Fitness Clubs may run. 
• This benefit is available to Multiply Premier main members and partners only. Adult and child dependants are excluded.
• This benefit is available to new Zone Fitness Clubs members only
• Standard Zone Fitness Clubs Ts & Cs apply.

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