Momentum Multiply Terms & Conditions

1. General

How these rules impact Multiply members:

1.1. These rules will apply to and bind all Multiply members, who must reside in the Republic of South Africa (RSA).

1.2. The rewards of the Multiply programme can only be used for leisure and not business purposes.

1.3. When Multiply members participate in the Multiply programme, it means they have read, understood and agreed to these rules.

1.4. Multiply may amend the rules from time to time, more fully set out in clause17. Generally changes take effect from 1 January of each calendar year, although Multiply may occasionally implement changes to the rules during the course of the calendar year.

2. Definitions

2.1. “Adult dependant” refers to a dependant who:

2.1.1. is a Multiply member,

2.1.2. is 18 years of age or older (Multiply Premier) or 19 years or older (Multiply Provider), and

2.1.3. is listed as a dependant of the principal member, on that principal member’s medical scheme membership or as a life assured on any other Momentum Metropolitan Life product.

2.2. “Child dependant” refers to a dependant who:

2.2.1. is a Multiply member’s or partner’s natural child, or is a member’s or partner’s legally adopted child or a child in the process of being legally adopted, or a child who has been placed in the custody of a member or his partner by arrangement with an authority and for whom a member is responsible for family care and support, and

2.2.2. is under the age of 18 (Multiply Premier) or under the age of 19 (Multiply Provider).

2.3. “Extended family” refers to a dependant who:

2.3.1. are parents or grandparents of the main member and partner, but not limited to and
2.3.2. additional spouses (not the primary partner).

2.4. “Client” refers to:

2.4.1. a Momentum Metropolitan Life policyholder (a natural person, not an entity), who has purchased any product from Momentum Metropolitan Life and its associated retirement funds that offer Multiply as a voluntary benefit, or

2.4.2. a principal member of a qualifying medical scheme, or

2.4.3. a member of a qualifying group.

2.5. “Member(s)” or “you” or “your” refers to a client with a Multiply membership.

2.6. “Momentum ” refers to Momentum Metropolitan Holdings (registration number 1904/002186/06), a company registered under the company laws of the RSA and its subsidiaries
2.7. “Momentum Multiply (Pty) Ltd”(registration number 1971/006353/07), refers to a company registered under the company laws of the RSA, which is a part of Momentum Metropolitan Holdings.

2.8. “Multiply” or “we” or “us” or “our” is an incentivized wellness solution that rewards and encourages its members to become holistically well, by arranging access to various wellness and leisure facilities and services; and offering members discounts at various providers and services to incentivize their wellness behaviour. Multiply is managed and operated by Momentum Multiply (Pty) Ltd.

2.9. “Partner” refers to a person with whom a Multiply member has a committed and serious relationship similar to a marriage. This relationship is based on objective criteria of mutual dependency and a shared and common household, irrespective of the gender of either party.

2.10. “Qualifying products” refers to insurance, investment and retirement products offered by Momentum Metropolitan Life and its associated retirement funds that offer Multiply as a voluntary benefit.

2.11. “Qualifying groups” refers to all entities that have entered into agreement with Momentum Metropolitan Life to offer Multiply as a voluntary benefit to all eligible members, employees or clients.

2.12. “Qualifying medical schemes” refers to Momentum Medical Scheme, restricted medical schemes administered by Momentum Medical Scheme Administrators (MMSA) and other medical schemes that have entered into agreement with Momentum Metropolitan Life to offer Multiply membership to the scheme members.

2.13. “Service provider” or “Multiply partner” refers to a company with which Momentum Metropolitan Life enters into agreement to offer discounts and rewards or benefits on various products and services through the Multiply programme.

2.14. “Single parent” refers to a member whose dependants are children dependants only.

2.15. In these rules, the singular always refers to plural, as well the other way around.

2.16. In these rules references to the masculine gender shall include the feminine.

3. Multiply membership

3.1. Who qualifies for Multiply Premier?

The following individuals qualify for voluntary Multiply membership:

3.1. 1. Principal members of qualifying medical schemes

3.1.2. A Momentum Metropolitan Life policyholder or life assured, who own qualifying products that have been in force for at least 12 months.

3.1.3. A Momentum Metropolitan LIfe policyholder or life assured, who own qualifying products that have been in force for less than 12 months, with a combined minimum contractual monthly contribution of R295. or more (excluding the monthly Multiply contribution).

3.1.4 A Momentum Metropolitan Life policyholder or life assured, who own qualifying products regardless of age, and with a combined minimum contractual monthly contribution of R295 or more. (excluding the monthly Multiply contribution).

3.1.5. A Momentum Metropolitan Life policyholder or life assured, who owns a single-premium (or lump sum) investment policy. Certain minimum values apply, which may change from time to time. (Minimum values match those of the underlying product house).

3.1.5. A Momentum Metropolitan Life policyholder or life assured, with a paid-up or open-ended Momentum Metropolitan Holdings product. Certain minimum paid-up and open-ended values apply, which may change from time to time as determined by the underlying product house.

3.1.7. Multiply reserves the right to, from time to time, via a special offer, allow clients to join Multiply without owning any qualifying product.

3.1.8 A member can only be on a single Premier membership, or single Provider membership, but may not be part of both Premier and Provider memberships at the same time.

3.2. Who qualifies for Multiply Provider?

3.2.1. A Momentum Metropolitan Life policyholder or life assured, who owns a qualifying product that is in force.

3.2.2. Dependants over and under 19 may be added to the membership at a specified fee

3.2.3. Qualifying groups and schemes that have existing Multiply Starter membership main member on the scheme is eligible to purchase Multiply Provider.

3.2.4. A member can only be on a single Provider membership, or single Premier membership, but may not be part of both Premier and Provider memberships at the same time.

3.3. Who qualifies for Multiply Starter?

3.3.1. A Momentum Metroplitan Life policyholder or life assured, who owns a qualifying product that is in force.

3.3.2. A member cannot have two different Starter memberships.

4. More qualifying criteria: Partner and dependants

4.1. Qualifying medical scheme members:

4.1.1. A member may have more or less persons on their Premier Multiply membership than on the medical scheme.

4.2. Clients and qualifying group members:

A member may add a partner if:

4.2.1. The partner is an insured life on the member’s Momentum life insurance product, or

4.2.2. The partner has his own Momentum Metropolitan Life product.

4.3. There is a maximum limit of 5 dependants allowed on Multiply Premier.

5.Clients who want to sign up for Multiply Premier without a qualifying Momentum product will be able to do so provided they consent to the following terms and conditions :

5.1 Agree to financial advice with a financial planner

5.2 Take up a Momentum product within 12 months of joining Momentum Multiply. If at the end of the twelve month period the client has not sought financial advice from a Momentum financial planner and taken up a Momentum product, they will have their Multiply membership terminated. 

5.3  These clients do not qualify for the free device campaign or any other promotional campaigns during the period that they do not have a qualifying product. If the client decides to get a qualifying product, they will qualify for promotional campaigns from the date that the qualifying product was added.


6. Factors that affect your membership

6.1. Marriage

6.1.1. If a single member marries a non-Multiply member, the status level that the single member reached in that particular calendar year will be maintained for the rest of the calendar year – as a family membership (see clause 7).

6.1.2. If the number of points earned by a member and partner are not sufficient to meet the family threshold for the particular status at the end of the calendar year, the Multiply status will be adjusted accordingly at the start of the following calendar year.

6.1.3. If two Multiply members marry each other, they have the option to either keep two separate Multiply memberships or to cancel one of the memberships and upgrade the other to a family membership.

6.1.4. If they choose to upgrade, Multiply will transfer the Multiply points accrued in that calendar year before the partner cancelled his membership to the upgraded membership. However, please note that any ad-hoc points we may award from time to time, could be specific to a membership and Multiply will only award them once.

6.2. Divorce and death

6.2.1. If a member dies or gets divorced, Multiply will cancel all the benefits of the member’s partner, except if:
6.2.1.1. The partner has an existing Momentum Metropolitan Holdings policy or qualifying medical scheme membership and joins Multiply within two months of the date of the divorce or death, or
6.2.1.2. The partner does not have an existing Momentum Metropolitan Holdings policy or qualifying medical scheme membership, but takes out a new Momentum Metropolitan Holdings policy. In addition the partner must join Multiply within two months of the date of divorce or death, or
6.2.1.3. The partner marries another Multiply member within two months of the date of divorce or death.

6.2.2. If the partner enters into a Multiply membership of his own or joins another Multiply membership as a partner, Multiply will transfer the Multiply points that the partner accrued during that calendar year to the new membership.

7. When does Multiply membership start?

7.1. Multiply Premier membership will start either:

7.1.1. The first day of the calendar month in which Multiply received the membership application, if the application was received on or before the 15th of the month; or
7.1.2. The first day of the month immediately following the month in which Multiply received the membership application, if the application was received after the 15th of the month.

7.2. Multiply Provider membership will start on:

7.2.1. Any day of the month that the member requests for it to start; or
7.2.2. Any date in the future that the member requests to future date the start of the Multiply Provider membership, provided that the Multiply Provider application has been received and approved.

7.3. Multiply Starter membership will start on:

7.3.1. Any day of the month that the member requests for it to start; or
7.3.2. Any date in the future that the member requests to future date the start of the Multiply Starter membership, provided that the Multiply Starter application has been received and approved.

7.4. All Multiply plans can only be active if there is a qualifying Momentum Metropolitan Holdings product active. Please be advised that should a member cancel their qualifying Momentum Metropolitan Life product, it is their responsibility to notify Multiply of their cancellation and to request cancellation of their Multiply membership.

8. Types of membership

8.1. Multiply Premier

When members apply for a Multiply Premier membership, they could qualify for one of three types of Multiply Premier memberships:

8.1.1. Single member – a member with no dependants.
8.1.2. Family of two – a member with one dependant. The dependant could be a member’s partner or a child dependant (for a single parent).
8.1.3. Family of three or more - a member with two or more dependants. All the dependants could be child dependants (for a single parent) or one dependant could be a member’s partner and the remaining dependants could be child dependants.

8.2. Multiply Provider

When members apply for a Multiply Provider membership, they could qualify for one of two types of Multiply Provider memberships:

8.2.1. Single member – a member with no dependants.
8.2.2. Family of two – a member with one dependant. The dependant could be a member’s partner.
8.2.3. If members wish to add dependants (both adult and child) to either membership, they may.

8.3. Multiply Starter

When members apply for a Multiply Starter membership, they could qualify for one of the following types of Multiply Starter memberships:

8.3.1. Single member – a member with no dependants.
8.3.2. Family of two – a member with one dependant. The dependant could be a member’s partner.
8.3.3. Family of three or more - a member with two or more dependants. All the dependants could be child dependants (for a single parent) or one dependant could be a member’s partner and the remaining dependants could be child dependants.

9. Membership fees

9.1. Once the member’s membership starts, they have to start paying a monthly Multiply membership fee for Multiply Premier and Multiply Provider. There are no fees for Multiply Starter.

9.2. Generally, Multiply membership fees increase every year on 1 January. The increase varies from year to year.

9.3. 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.

9.4. The membership fees will differ according to the membership type. A member (individual business) or a company (group business) may pay the fees.

9.5. Individual business:

9.5.1. Membership fees may be paid monthly in advance.
9.5.2. Membership fee may be paid via debit order.
9.5.3. If Multiply receives the membership application after the selected monthly membership fee deduction date, and the membership commences on the first day of the calendar month in which the application was received, Multiply will deduct a double monthly fee on the following deduction date.
9.5.4. When a member joins Multiply, their membership will immediately be active but should the date of joining be later than the deduction date for the month an immediate debit order will be deducted off the elected account.
9.5.5 Please note:. Multiply will cancel memberships and a member will forfeit all membership benefits and contributions after two consecutive months of non-payment of the monthly membership fees.

9.6. Group business:

9.6.1. Membership fee may be paid monthly in advance or monthly in arrears.
9.6.2. Membership fee may be paid via a company debit order or stop order.
9.6.3. If Multiply receives the membership application after the selected monthly fee deduction date, and the membership commences on the first day of the calendar month in which the application was received, Multiply will deduct a double monthly fee on the following deduction date, irrespective whether it is in arrears or in advance.
9.6.4. Multiply will cancel memberships and a business will forfeit all membership contributions and benefits immediately following non-payment of the monthly membership fees via a company debit order.
9.6.5. Multiply will cancel memberships and a business will forfeit all membership contributions and benefits forfeited after two consecutive months of non-payment of the monthly fees for companies paying via stop order.

9.7. There may be extra fees charged for using certain partners or benefits, which are disclosed in certain of the individual Partner sections. These fees may be due to third parties or directly to Multiply and can include:
9.7.1. Activation fees and

9.7.2. Monthly fees

10. Membership card

10.1. Members will receive a Multiply membership card to activate their Multiply membership. The terms and conditions of the membership card are incorporated into these rules, as if expressly stated in this document. If there are any inconsistencies between the terms and conditions of the membership card and these rules, these rules will prevail.

10.2. Members can only use the membership card for identification purposes and not for any cash or credit transactions.

10.3. Members must present the membership card to the service providers to access the provider benefits and for identity purposes as a qualifying Multiply member. If members do not want to make use of the provided benefits, they do not have to show their membership card or identify themselves.

10.4. Multiply reserves the right to cancel their Multiply membership if they use the membership card in a fraudulent or unauthorized manner.

11. Multiply Premier Status and Multiply Provider Level

11.1. Some benefits depend on the member’s Multiply Premier status or Multiply Provider Level.

11.2. The higher the member’s status or level, the more benefits they can enjoy.

11.3. If the Multiply status or level changes the rules relating to the benefits may also change.

11.4. New Multiply Premier members will enter the programme and start on Bronze. The more points they earn, the higher the status they will reach.

11.5. New Multiply Provider members will enter the programme and start on Level 1. The more points they earn, the higher the level they will reach.

11.6. The different statuses for Multiply Premier are: Bronze, Silver, Gold, Platinum and Private Club status.

11.7. The different levels for Multiply Provider are: Level 1, Level 2 and Level 3.

11.8. Multiply Starter has no levels or statuses.

11.9. To move up a status or level, members must earn enough points to reach the relevant status threshold.

11.10. At the end of every calendar year, members will retain the status they have earned in that calendar year for the duration of the next calendar year. For example, if a member earned sufficient points in a calendar year to achieve Gold status, then they will remain on Gold status for the duration of the next calendar year. The member’s status will be adjusted to a lower level if they did not earn enough points to maintain their current status in a calendar year. The same rule applies for Multiply Provider.

11.11. See “Points and Status Rules” for details on status rules and how many points are needed for each status for Multiply Premier.

11.12. See “Points and Status Rules” for details on level rules and how many points are needed for each level for Multiply Provider.

12. Multiply points

12.1. Multiply rewards members with great discounts for doing the everyday things members should be doing to ensure a healthy and happy life.

12.2. By using a points system, Multiply incentivizes members to maintain or enhance a healthy lifestyle.

12.3. The number of adults (i.e. main member and partner) on the Multiply membership will determine the number of points required to move up the status levels for Multiply Premier and Multiply Provider.

12.4. To illustrate this, what follows are examples of the points that different combinations of Multiply membership will earn:

12.4.1. Single member: The member earns points and the single threshold applies.

12.4.2. Family of two: If the dependant is the partner, then both the member and partner earn points and the family threshold applies. If the dependant is a child (single parent), then the member earns points and the single threshold as shown in the previous table applies.

12.4.3. Family of three: If one of the dependants is the partner, then both the member and partner earn points and the family threshold as shown in the previous table applies. If the dependants are all children (single parent), then the member earns points and the single threshold as shown in the previous table applies.

12.5. See “Points and Status Rules” for details on who can earn points, how to earn points and limits on earning points.

13. Multiply Benefits

13.1. Multiply benefits are available only too active Multiply members.

13.2. Benefits are only available in the RSA.

13.3. Refunds and payments are only accepted in South African Rands (ZAR).

13.4. Any refunds made to a member will be made on the value received for the purchase in question as at the date of purchase.

13.5. Multiply will not be held liable for any bank charges and/or fees incurred for refunds and/or the return of an item

13.6. The general rules will apply together with rules specific to each service provider or partner. In the instance of a conflict between the rules, the specific service provider or partner rules will apply.

13.7. Multiply will negotiate with various companies and/or associations to determine and appoint service providers for Multiply rewards at their sole discretion. Multiply also has the right to review these appointments from time to time.

13.8. Multiply will negotiate special rates with each service provider on behalf of the Multiply members who make use of the products and/or services of that particular service provider.

13.9. Multiply may, at their sole discretion, conclude, terminate, cancel, amend or vary the service provider agreements and adjust the Multiply benefits accordingly.

13.10. Members will not qualify for Multiply benefits from a service provider who has been terminated and/or cancelled from participating in the Multiply programme.

13.11. None of the Multiply benefits can be redeemed for cash and the benefits may only be used in the way described in these rules.

13.12. Members may not transfer membership rights or rights to benefits or points to another person.

13.13. Multiply members may not use Multiply membership as security for any debt.

13.14. A purchase from any Multiply online partner available on the Multiply website is intended for personal use only. Goods purchased with the intention of conducting any form of commercial enterprise are strictly prohibited. Multiply reserves the right to cancel a member’s membership when such behaviour is conducted.

14. Cashbacks

14.1. 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.

14.2. Cashbacks will be transferred into your Multiply Money savings wallet which enables you to save and earn interest.
14.3. 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.

14.4. You will get cashbacks on your total qualifying spend at Pick n Pay by swiping your Multiply card when you buy qualifying products in store.

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

14.5.1. Fuel
14.5.2. Tobacco and tobacco-related products
14.5.3. Pick n Pay gift cards and top-ups
14.5.4. Wallet top-ups
14.5.5. Money transfers
14.5.6. Prescription medicine and pharmaceutical goods
14.5.7. Baby formula (0-36 months)
14.5.8. 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.

14.6. You will get cashbacks on your total qualifying spend at Dis-Chem and Clicks by swiping your Multiply/Dis-Chem co-branded card when you buy qualifying products in store

14.7. At Dis-Chem and Clicks, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation:

14.7.1. Prescription medicine and pharmaceutical goods
14.7.2. Plastic bags
14.7.3. Redemption of vouchers or gift cards or loyalty cards
14.7.4. Baby formula (0-36 months)

14.8. You can now choose to either get cashbacks or a discount when you make a purchase at the Multiply online shop.

14.9. 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.

14.10. 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.

14.11. Spend limits for the Multiply online shop will apply. Visit the Multiply online shop spend limit rules for more information.

14.12. A combined spend limit for Clicks and Dis-Chem will apply. Visit the Clicks or Dis-Chem Multiply partner pages for more information.

14.13. 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.

14.14. Cashbacks earned on the Multiply online shop will be transferred into your Multiply Money savings wallet within 24 hours of your purchase.

14.15. 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.

14.16. 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.

14.17. 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].

14.18. 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.

14.19. If your Multiply membership is for whatever reason suspended or cancelled, cashbacks will not be allocated to you.

14.20. Multiply reserves the right to at any time exempt certain products from earning cashbacks at our sole discretion.

15. Multiply Money

15.1. Definitions

15.1.1. In these terms and conditions, unless the context requires otherwise:
15.1.2. “Card” means the Multiply Visa® Card.
15.1.3. “Cashbacks” means a percentage of your spend paid back to you in cash once your purchase is confirmed at a participating cashback partner.
15.1.4. “HealthSaver account” means the HealthSaver account administered by Momentum Metropolitan Life.
15.1.5. “Merchant” means the person or entity from whom goods are purchased and/or services obtained through the use of the Card.
15.1.6. ”Mobile Payments” means payment services operated under financial regulation and performed from a mobile device, in this instance using wiCode.
15.1.7. “Momentum Multiply” means Momentum Multiply (Pty) Ltd which manages and operates the Multiply programme.
15.1.8. “Multiply” means an incentivised wellness solution that rewards and encourages its members to become holistically well, by arranging access to various wellness and leisure facilities and services; and offering members discounts at various Multiply partners.
15.1.9. “Multiply Money App” means the mobile application created specifically for smartphones for you to engage with Multiply Money and the related products and services.
15.1.10. “Multiply.co.za” means the Multiply website with logon capability for you to engage with Multiply and its related products and services.
15.1.11. “Multiply Money” means a facility made up of a savings wallet and a payment wallet.
15.1.12. “Multiply Online Shop” - an online platform that rewards Multiply members by providing discounts when purchasing goods or services from various Multiply Partners.
15.1.13. Multiply member means a person who is a member of Multiply.
15.1.14. “Parties” means you and Momentum Multiply.
15.1.15. “payment wallet” means a facility within Multiply Money from which you can make payments.
15.1.16. “savings wallet” means a facility within Multiply Money where you can accumulate cashbacks and earn interest..
15.1.17. “Send Money” means a payment from one Multiply Money payment wallet to another Multiply Money payment wallet.
15.1.18. “We” or “Us” means Momentum Multiply.
15.1.19. “wiCode and QR code” means a token based mobile transaction which functions like a One-Time-PIN (OTP).
15.1.20. ”wiGroup” means wiGroup PTY Limited, Reg.No.2007/027199/07, Registered address : Unit 202, Block 2, Northgate Park, Section Street, 7405, South Africa/ Switchboard : +27 (21)4489974
15.1.21. “You” or “Your” means you the Multiply member.

15.2. General

15.2.1. You can use the Multiply Money facility to receive cashbacks from qualifying Multiply partners and to spend these cashbacks.
15.2.2. All cashbacks will be transferred into your Multiply Money savings wallet. To use your cashbacks, you must transfer them to your Multiply Money payment wallet. You can transfer cashbacks from the savings wallet to the payment wallet using the Multiply Money app or by logging into multiply.co.za.
15.2.3. Cashbacks in your savings wallet will earn interest.
15.2.4. If you link a Card to your Multiply Money payment wallet, you will be able to pay for your purchases at Visa®-approved merchants in South Africa only.
15.2.5. If your Card is linked to Multiply Money and a HealthSaver account then all purchases at veterinarians, pharmacies and healthcare providers will automatically be deducted from the HealthSaver account. If there are insufficient funds in the HealthSaver account, the transaction will be declined.
15.2.6. All other purchases will be deducted from your payment wallet. If there are insufficient funds in the payment wallet, the transaction will be declined.
15.2.7. With the Multiply Money app, you can pay for your purchases with the cashbacks in your Multiply Money payment wallet at qualifying Merchants in South Africa by using Mobile Payments. Click here for a qualifying Mobile Payment merchants.
15.2.8. You can also transfer your cashbacks to other Multiply Money users using the Send Money option on the Multiply Money app.
15.2.9. multiplyonlineshop.co.za allows you to pay for your purchases with the cashbacks in your Multiply Money payment wallet on the Multiply Online Shop.

15.3. Issue and use of Multiply Money

15.3.1. To use Multiply Money you must be a Multiply member.
15.3.2. Multiply Money will automatically be created for you as part of your Multiply membership so that you can receive your cashbacks.
15.3.3. We will need to verify your identity and cellphone number as per FICA (“Financial Intelligence Centre Act”) requirements before we issue Multiply Money and transfer cashbacks into your savings wallet.
15.3.4. We will need to verify your identity and residential address before we issue a Card to you and may decline to issue, link or activate a Card if you don’t qualify for a Card or cannot give us satisfactory proof of your identity and residential address as per FICA requirements. The Terms and Conditions of the Card are available at multiply.co.za/visacard.
15.3.5. As soon as the first cashback is transferred into your savings wallet, you are deemed to have read and understood the Terms and Conditions of Use of Multiply Money and consider yourself bound by these Terms and Conditions of Use.
15.3.6. The cashbacks may only be used in the Republic of South Africa and may only be accessed by moving the cashbacks to the payment wallet.
15.3.7. The payment wallet is only set up for Card payments, Mobile Payments and Multiply online shop payments. You can also Send Money from your payment wallet to another Multiply Money payment wallet. You must know the cell phone number of the person who you are sending the money to.
15.3.8. You need to have cashbacks available in the payment wallet for a transaction to be authorized. A minimum balance needs to be available in the savings wallet which may change from time to time, this will automatically be reserved for you. The available balance in your payment wallet does not include the cashbacks available in your savings wallet.
15.3.9. Multiply Money will authorize a transaction at their sole discretion. We will not be legally liable if for whatever reason we do not authorize a transaction.
15.3.10. We will not be liable if a Merchant refuses to accept your payment.
15.3.11. The returns policy of the particular Merchant will apply to any goods purchased with the Card and by means of a Mobile Payment. Cash refunds will generally not be made in lieu of a return and any dispute in this regard should be taken up with the Merchant directly.
15.3.12. We will not be responsible for the return or exchange of any goods and/or services purchased with the Card or Mobile Payment to any Merchant. At the time of return or exchange, you should present the merchandise and proof of the Card or Mobile Payment to the Merchant. Any dispute in this regard should be taken up with the Merchant directly.
15.3.13. Your cashbacks cannot be used to withdraw cash at a bank, ATM or Merchant.
15.3.14. If you breach these terms and conditions at any time, all further transactions will be declined and your Multiply Money facility may be cancelled.

15.4. Errors on payments

15.4.1. It is your responsibility to ensure that the payment instructions (including but not limited to beneficiary details) are correct, as we will not be responsible for any loss or damage because of errors you make when you create or send a Multiply Money payment instruction including a Send Money instruction.
15.4.2. Multiply Money does not check that the cellphone number or identity of the beneficiary is correct.

15.5. Cancelling or reversing transactions

15.5.1. Instructions cannot be reversed or cancelled once you submit them.
15.5.2. Multiply Money will not reverse any payment instruction after it has been processed.
15.5.3. Multiply Money will not accept an instruction to stop the payment of a valid instruction to pay.

15.6. Disbursements into Multiply Money

15.6.1. Cashbacks will automatically be paid into the savings wallet. Multiply Money cannot accept any cash deposits from any third parties.
15.6.2. If an amount is incorrectly or in error deposited into your Multiply Money facility, you give Momentum Metropolitan Life permission to reverse that amount from your Multiply Money facility.

15.7. Interest you may earn

15.7.1. You will earn a flat interest rate on all cashbacks in your savings wallet.
15.7.2. All interest rates are expressed as a percentage per annum. Multiply Money calculates interest daily and pays interest monthly on your savings wallet daily balance.
15.7.3. Momentum Multiply is entitled to determine at its discretion the interest rate applicable and can change the interest rate at any time without giving you prior notice.
15.7.4. No interest is earned on cashbacks in your payment wallet.

15.8. Withholding tax on interest

15.8.1. You are responsible to promptly inform us in writing if you are a tax resident anywhere outside of the Republic of South Africa.
15.8.2. If you are required to pay tax outside of South Africa and do inform us, we are legally obligated to withhold tax at the current rate of 15% on the interest you have earned on the balances in your savings wallet to pay over to the South African Revenue Service (SARS) on a monthly basis.

15.9. Income tax certificates

15.9.1. We will issue an income tax certificate (IT3b certificate) at the end of each financial year. The IT3b will apply to all cashbacks in your savings wallet.
15.9.2. The IT3b certificate indicates the amount of interest paid out to you in a particular financial year.
15.9.3. IT3b certificates are issued only where a minimum amount of interest has been earned as prescribed by SARS from time to time.

15.10. Unauthorized use

15.10.1. You are the only person who may use your Multiply Money facility and you cannot transfer it to any other person or authorize any other person to use it.
15.10.2. You are responsible for the safekeeping and proper use of Multiply Money.
15.10.3. Mobile Payments using wiCodes and QR codes are valid for 15 minutes and are not PIN or identity driven. This means that these codes are treated as cash payments. We will not be held liable for any negligence or mismanagement of your Mobile Payments nor will we reverse these transactions.
15.10.4. You agree to notify Multiply Money immediately if the Card linked to Multiply Money is stolen or lost, or if you suspect that the Card may have been fraudulently accessed or used, failing which you agree that you will accept responsibility for any losses incurred resulting from the use of the Card and/or Multiply Money by any unauthorized person.
15.10.5. You agree to notify Multiply immediately if your Multiply Money app is compromised, or if you suspect that your profile may have been fraudulently accessed or used, failing which you agree that you will accept responsibility for any losses incurred resulting from the use of Multiply Money by any unauthorized person.
15.10.6. Once you have notified us in terms of clauses 14.10.4 and 14.10.5 above, we will deactivate the Card and/or Multiply Money app profile as soon as reasonably possible, but you agree to accept responsibility for all payments made from Multiply Money before such notification is given to us.
15.10.7. You indemnify Momentum Multiply and accept full liability for all specific and related losses as a result of any fraudulent activity if you refuse or decline a request by Multiply Money to cancel or remove a Card and/or Multiply Money app profile linked to your Multiply Money facility.

15.11. Charges and Fees

15.11.1. No monthly administration fees for Multiply Money will be charged.
15.11.2. We may charge other fees which may be linked to Card activity.
15.11.3. All transaction and Card related fees excluding the monthly administration fee (if applicable) will be debited against your payment wallet balance if you have linked the Card to your Multiply Money facility. Visit multiply.co.za/visacard for more information on fees and charges applicable to the Card.
15.11.4. If there is an outstanding balance linked to your payment wallet at the end of the month we reserve the right to settle the outstanding amount against the cashbacks in your savings wallet.
15.11.5. Momentum Multiply can immediately demand repayment from you for any outstanding balance linked to your payment wallet. If you do not settle the amount when we demand payment you agree that we can charge you default interest as allowed by law.
15.11.6. Fees and charges are usually reviewed annually, but may be reviewed at any time at our discretion, in which event you will get 30 days’ written notice before such change comes into effect.
15.11.7. If you dispute any fee or charge, we will debit your payment wallet with such a fee or charge until such time as the dispute has been resolved.
15.11.8. You accept that you will be responsible for and will pay the fees and charges as per these terms and conditions.
15.11.9. You can also get a copy of all your fees and charges from the Multiply Money contact centre by calling 086 011 1183 or emailing [email protected]

15.12. Suspension of Multiply Money

15.12.1. We may suspend your Multiply Money facility when there is:

15.12.1.1. A suspicious transaction;
15.12.1.2. Reported fraud;
15.12.1.3. Instruction from a recognized authority; or
15.12.1.4. A suspended or terminated Multiply membership.
15.12.1.5. An outstanding balance and you have ignored our request to pay;

15.12.2. You agree that Momentum Multiply shall not be held liable whatsoever for any consequences following the suspension of your Multiply Money facility.

15.13. Miscellaneous

15.13.1. You may not vary these terms and conditions.
15.13.2. These terms and conditions are governed by the laws of the Republic of South Africa.
15.13.3. Momentum Multiply reserves the right to change these terms and conditions at any time and the latest version will be available by following the Multiply Money link on the Multiply website at multiply.co.za/multiplymoney.
15.13.4. The terms and conditions of the Multiply Visa® Card can be found at multiply.co.za/visacard.
15.13.5. Log into multiply.co.za/multiplymoney or contact the Multiply Money contact centre on 086 011 1183 to view your Multiply Money transactions, fees, charges.

15.14. Confidentiality

15.14.1. We will treat all your personal information (as defined in the Protection of Personal Information Act) as private and confidential. Nothing about your personal information or Multiply Money facility will be disclosed to anyone unless:

15.14.1.1. We are legally compelled to do so
15.14.1.2. It is required in terms of operating Multiply Money
15.14.1.3. It is in the public interest to do so; and/or
15.14.1.4. The disclosure is made at your request, with your written consent.

15.14.2. You hereby agree that we may share your personal information with our third party service providers for the operation of Multiply Money.

15.15. Liability clause

15.15.1. To the maximum extent permitted by applicable law, Momentum Multiply, its employees, agents and representatives shall not be liable to you or to any third party for any liability, losses, damages and/or costs or expenses whether special, direct, indirect and/or of a consequential nature including but not limited to loss of income, loss of profits, loss of business information, business interruption, death or personal injury caused by any nature whatsoever or arising out of the use of Multiply Money, the Card, Multiply Money App, Multiply online shop and other Multiply platforms, and you hereby indemnify Multiply and Momentum Metropolitan Holdings against any such liability.

15.16. Terminating Multiply Money

15.16.1. Momentum Multiply has the right to terminate your Multiply Money facility at any time after we give you reasonable notice of this or if we have other grounds to do so.
15.16.2. When your Multiply membership is cancelled we may close your Multiply Money facility.
15.16.3. Upon termination, all cashbacks in the savings and payment wallets will be paid into a nominated bank account of your choice.
15.16.4. You agree that we shall have no liability whatsoever in consequence of any such termination.
15.16.5. Even upon termination, Momentum Multiply will be entitled to rely on the rights acquired under these terms and conditions before termination.

16. Termination of Multiply membership or benefits

16.1. Multiply will cancel or suspend members’ membership with reasonable notice if:

16.1.1. Members no longer qualify for a Multiply membership. (See clause 3: “Multiply Membership”);
16.1.2. Members do not pay their full monthly fee to Multiply;
16.1.3. Members breach any of the rules of the Multiply programme; and
16.1.4. Multiply believes that members are using the benefits of the programme in an abusive and/or fraudulent manner;

16.2. Members must inform Multiply if they are no longer a policyholder or member of a qualifying product to which the Multiply membership is linked. Members acknowledge and understand that having a qualifying product enables them to qualify for Multiply. Members further acknowledge that should they cancel their qualifying product, it is their responsibility to notify Multiply of this cancellation and to request cancellation of their Multiply membership.

16.3. Main members may cancel their Multiply membership voluntarily.

16.4. Members must give Multiply a 30 calendar days’ notice in writing by email or post; or telephonically by contacting the Multiply contact centre:

o E-mail: [email protected]
o Postal address: PO Box 7400, Centurion, 0046
o MaxiCall: 0861 886 600
o International number: +27 12 675 3026

16.5. If a member cancels their Multiply membership after a debit order, it will only be refunded if no benefits were used by such member in that month.

16.6. Members will not lose any benefits accumulated up to the date that their membership ends or is suspended.

17. Reinstatements

17.1. Members may reinstate their cancelled Multiply membership, if:

17.1.1. The reinstatement occurs within three months of the date of cancellation, and the member pay all outstanding fees that would have accrued during that cancelled period, or
17.1.2. The cancellation was due to the termination of a qualifying product, the member takes up a new qualifying product, and they apply for Multiply membership within three months.

17.2. If members do not reinstate their Multiply membership within three months of the date of cancellation, they may not join Multiply within the following three-month period (calculated from the date of cancellation).

17.3. The same rules apply for Multiply Provider, except the reinstatement period is 90 days.

18. Transferring between Multiply Plans

18.1. If a Multiply Provider member chooses to cancel their Multiply Provider membership and buy Multiply Premier, the status that the member attains on Multiply Premier is based on the activities that the member performed on Multiply Provider in that calendar year. For any activities that the member completed while on Multiply Provider, Multiply Premier points will be allocated for those activities. The status is then based on the total number of points that the member earns when converting from Multiply Provider points to Multiply Premier points.

18.2. If a Multiply Premier member chooses to cancel their Multiply Premier membership and buy Multiply Provider, the level that the member attains on Multiply Provider is based on the activities that the member performed on Multiply Premier in that calendar year. For any activities that the member completed while on Multiply Premier, Multiply Provider points will be allocated for those activities. The level is then based on the total number of points that the member earns when converting from Multiply Premier points to Multiply Provider points.

18.3. The above rules are applicable for transfer at any time during the calendar year period.

18.4. Only a mapping of engagement activities will contribute to determining the member’s new status or level.

Example 1
At the end of a calendar year (31 December), a Multiply Premier member decides to transfer to Multiply Provider. This member will start on Multiply Provider on the 1st of January the next calendar year with 0 points and on Level 1. The reason for this is that the member has not completed any activities during the current calendar year.

Example 2
A Multiply Premier member decides to transfer to Multiply Provider at any point in time during the calendar year. The member’s activities performed up to date of transfer (during the calendar year) will be mapped and converted to Multiply Provider points. The converted points will then determine the Multiply Provider level.

19. Implications of Limits

19.1. When a member transfers between plans, the usage on partner benefits will be reset. This includes the limits set within the Multiply Travel benefits.

Example
A Multiply Provider member currently has a booking limit of 6 per calendar year. Half-way through the year, the member decides to transfer to Multiply Premier but the member has already used 4 of the bookings on Multiply Provider. When the member transfers to Multiply Premier, the booking limit will be reset and the member will have 12 bookings available for the rest of the calendar year.

20. Transfer period

20.1. Members can transfer between Multiply plans at any time during the year based on the following rules:
20.1.1. If a member is on a specific Multiply plan for the first time (during the member’s lifetime with Multiply), the member can move to another Multiply immediately i.e. there is no waiting period.
20.1.2. If a member moves back to a Multiply plan that they were previously on (during the member’s lifetime with Multiply), the member has to wait 3 months before moving from that plan.
20.1.3. This rule is applicable for moving between all the Multiply plans i.e. Multiply Starter, Multiply Provider and Multiply Premier.

Example

A new member joins Multiply Provider and decides to move to Multiply Premier after one month. Following the move to Multiply Premier, the member may have an affordability issue and moves back to Provider. The member needs to wait at least 3 months before they can move to Multiply Premier again.

21. Multiply is not responsible for loss

21.1. Information contained on service partners websites is made available without any express or implied representation or warranty whatsoever, and Momentum 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 website and emanating from either contract, delict, taxation or statute.

21.2. Multiply will take reasonable care to prevent loss or damage to members. Momentum Metropolitan Holdings will, however, except in the case of death and personal injury of a member, not be liable for any loss or damage related to a member’s use of the Multiply programme and the use of any goods or services provided through the Multiply programme.

21.3. The member, partner and dependants indemnify Momentum Metropolitan Holdings and its subsidiaries, holding company/companies, associated retirement funds, agents and authorized representatives against any loss suffered, including but not limited to a loss of money, arising from membership and participation in the Multiply programme.

21.4. Members are fully responsible for any tax implications arising from or associated with any discounts, rewards, benefits received, accumulated or spent due to the member being a member of, or participating in, the Multiply Programme.

21.5. Members are advised to obtain their own tax advice regarding any benefit they may receive in terms of these rules. Momentum Metropolitan Holdings will not be responsible for any tax consequences that may arise.

22. Legal matters

22.1. Changes to the rules

22.1.1. Multiply may, at its sole discretion and at any time, amend these rules and any business rules associated with them in any way.
22.1.2. These amendments may include, but are not limited to, changes to the amounts and percentages referred to in these rules, as well as changes to the Multiply programme.
22.1.3. Multiply will give members reasonable notice of any changes in the programme by publishing the details of the changes on Momentum’s website or disclosing the information in any other way that Multiply will determine at their discretion.
22.1.4. Momentum Metropolitan Holdings reserves the right to adjust benefits if applicable legislation impacts on the benefits Multiply offers.

22.2. No legal relationship

22.2.1. Members have no legal relationship with Momentum Metropolitan Life or the Multiply programme, other than being bound by these rules and consequently, when entitled to do so, to receive any benefits they may be entitled to.

22.3. Enforcing the rules

22.3.1. If Multiply fails to enforce any of these rules, it does not mean that Multiply may in future not enforce them.
22.3.2. If one or more of these rules is invalid, unlawful or unenforceable, it has no impact on the validity of the other rules, which will stay valid.

23. How to report a complaint and/or query

23.1. If members have a complaint and/or query about their Multiply membership, products, benefits, rewards, and/or services, Multiply recommends that members first contact their financial adviser

23.2. Members can also contact the Multiply client services department directly to lodge a complaint with one of the service consultants.

23.3. If the member is not satisfied with the response they receive from the Multiply service consultant, they can escalate their complaint to a service manager. The service manager will acknowledge receipt of the complaint within 24 hours.

23.4. The service manager will work together with Multiply’s internal complaints department to review the complaint.

23.5. The members will then receive a response from the service manager, within 2 working days of him acknowledging receipt of the complaint or query.

23.6. The service manager will give a detailed explanation, in his response, about the outcome or resolution of the complaint.

23.7. The Multiply contact centre handles all Multiply related complaints, queries and enquiries:

Business hours: 07:00 to 19:00 weekdays, excluding public holidays.

Contact details:

MaxiCall: 0861 886 600
International number: +27 12 675 3026
Fax: 012 675 3964
Email: [email protected]
Postal address: PO Box 7400, Centurion, 0046

24. Personal information

24.1. Momentum Metropolitan Life undertakes to protect your privacy and to keep your personal information confidential.

24.2. By participating in the Multiply programme you consent that Momentum Metropolitan Life may share and obtain personal information of you and your dependants with and from its Service partners for purposes of allocating physical health and wellness points or other benefits, as per your membership status.

24.3. Apart from you giving us personal information about you and your dependants, Momentum may also obtain information from other sources such as healthcare providers for purposes of allocating physical health and wellness points or other benefits as per your membership status.

24.4. The contracted service partners are bound to treat your personal information confidential and to process it for lawful purposes.

24.5. Multiply will not share your information with any third parties without your permission for any other reason than necessary to carry out the actions for performance of your membership. If you are a member of a Group business, we may share your information relating to your membership with your employer. This will be limited to information required for ongoing service of your membership but will not include any health information unless you have given us permission to do so.

24.6. Momentum Metropolitan Life may use your information for historical, statistical and research purposes. This will be conducted on an anonymous basis, which means your personal data is not linked to your name or membership.

24.7. You have a right to access, update or correct your personal information.

24.8. You have a right to object at any time to the processing of your or your dependants’ personal information.

24.9. The supply of personal information by you is done voluntarily and failure to do so may result in their membership application not being successful.

24.10. Multiply may share your information with other businesses in Momentum Metropolitan Life for purposes of administration of you and your dependant’s products or benefits.

24.11. You have a right to object with the sharing of your personal information within Momentum except if the disclosure is necessary for the administration of the product or services provided or is required in terms of legislation.

24.12. Momentum Metropolitan Life may use your contact information to notify you of new products or development on products you already have with us. If you do not want to receive this kind of communication from us you have the right to object to direct marketing or non-compulsory newsletters at new business stage and on each and every occasion of receiving a communication of this nature.

24.13. Your financial adviser may also ask us to share your and/or your dependants’ personal information with them. We will only share information that enables them to give you sound advice. We will not share any information about you or your dependants’ medical conditions unless you have given us your permission to do so.

25. Physical addresses for legal notices

25.1. Your physical address for purposes of legal proceedings and giving or sending any notice will be the address as supplied by you on the Multiply application form specified as your “domicilium citandi et executandi”.
25.2. It is your responsibility to notify Momentum in writing if the address changes.
25.3. Momentum’s physical address for legal notices is: 268 West Avenue, Centurion, Gauteng, 0157.

1. What is the benefit?

  • Multiply members get discounts on CMATHS reading material and start-up kits. 

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:

  • Members receive the following discounts on CMATHS products:
     
Products Multiply Starter Multiply Provider Multipy Premier
New Enrolment/Starter kit 50% 50% 50%
CMATHS books and reading material required through the course 20% 20% 20%
Items that need to be replaced 
(CMATHS books and materials
20% 20% 20%


4. How to use this benefit:

  • Members must visit cmaths.co.za to find a teacher (Sensei) closest to them by clicking on the “Contact Us” or the “Enroll your Child” button. 
  • Members must call the sensei on the listed number and make a booking for the child or if they choose the enroll option, a sensei will contact them and advise on what the next steps are. 
  • Download and complete the registration form available on the CMATHS website and give it to the sensei on the first appointment.
  • At the first lesson, members will need to pay an up-front fee (after the Multiply discount) and their child can start the course.
  • CMATHS will validate the member’s Multiply membership and if their child is a member on their Multiply contract. Member must present their ID number or Multiply client number to the sensei when making payment. 
  • The monthly fees are paid to the sensei at the end of each month. 
  • If the member’s child is ready for a new Soroban or books, then the sensei will inform the member and invoice them accordingly.
  • The Multiply discount will also apply on these materials. 

 5. Benefit rules:

  • This benefit is only available for children aged between 2 and 11 years. 
  • 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.
  • The discount does not apply to the monthly course fees for the year.

 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 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 all 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.cmaths.co.za

 7.CMATHS queries:

  • If members have any queries about CMATHS they can contact their nearest sensei.

8. Multiply benefit or points queries:

 9. Ending the benefit:

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

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:


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:
     
Bronze Silver Gold Platinum Private Club
25% 30% 35% 40% 45%


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


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

 
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:

 

Multiply
Starter
Multiply Provider Multiply Premier
  Level 1 Level 2 Level 3 Bronze Silver Gold Platinum Private Club
7.5% 10% 12.5% 15% 15% 20% 25% 30% 40%


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 and Avis Point 2 Point 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:
 

Rates Include Rates Exclude
Various free kilometres a day Excess kilometre charges
Standard or Super-collision damage waiver Fuel
Standard or Super theft loss waiver Additional driver fee
Airport surcharge, if applicable Delivery and collection
Tourism levy & VAT, if applicable Windscreen and tyre damage waiver
  Any other additional services charges applicable
  • 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:

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:

16. Ending the benefit:

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

1.What is the benefit?

  • Members and up to four family members get a discounted rate to use Bidvest Premier Lounges at South Africa’s main airports. 

2.Who may use this benefit?

  • This benefit is available to Multiply Premier members. 
  • Up to four members on a single Multiply membership can use this benefit.
  • One additional guest is allowed entry to Bidvest Premier Lounge at the discounted Multiply rate.
  • 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
 

  • The discount is the same across all Multiply status levels.
  • Principal members and up to four family members on the Multiply membership pay the following discounted rates to access  the domestic and international lounges of Bidvest Premier Lounge:
 

Member

Domestic Lounge International Lounge
Principal/Partner (cardholder) R222.29 R377.70
Children over 2 years of age R222.29 R377.70
Children under 2 years of age Free Free
Guest R222.29 R377.70


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:
     

Domestic Journeys

International Journeys
Johannesburg (O.R.Tambo) Johannesburg (O.R.Tambo)
Cape Town Cape Town
Port Elizabeth  
Durban  
George  


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


9.Ending the benefit

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

Money-back guarantee

 

Multiply is offering members a money-back guarantee on their premiums for six months if they do not receive value from their Multiply Premier membership.

Campaign rules

 

  • The campaign will run from 1 March 2019 until 31 July 2019.
  • To qualify, clients must be new Momentum Multiply Premier members and have taken out Multiply within the campaign period.
  • “Multiply Premier status match” campaign clients are not eligible for the money-back guarantee campaign.
  • Members who reinstate their Multiply Premier membership during the campaign period will not be eligible for the money-back guarantee.
  • The money-back guarantee applies to the first six months of the new Multiply Premier contract.
  • Multiply will calculate all partner and Momentum product discounts, cashbacks and rewards to determine benefits received once the member joins.
  • The money-back guarantee will be paid within thirty days after the six-month period into the main member’s Multiply Money account.
  • Members will automatically be eligible for the money-back guarantee at the end of the six-month period.


How to qualify

  • Members must reach Silver status or higher on Multiply Premier within six months of joining Multipl y Premier.
  • Members must remain on Multiply Premier for a period of six months once their membership is incepted.
  • Members will receive their cashback guarantee if the total premiums paid for six consecutive months are greater than the total benefit received or earned from Multiply for the same period:


Benefits received – total premiums paid = cashback guarantee

Example
Benefits received over six months:
R600 HealthReturns
+ R400 Myriad discount
+ R200 Pick n Pay cashbacks
+ R800 Mango flight discounts
= R2 000 benefits received

Total premiums paid:
R238 (monthly premium) x 6 (campaign period) = R1 428
In this instance, the benefits received are greater than the total premiums paid. Therefore, the cashback guarantee will not apply.

General provisions

  • The Member’s Multiply premiums must have been fully paid at the end of the six-month period fr om date of
  • inception. No money-back guarantee will be payable to a member if the account is in arrears or if the member
  • has missed a single premium at the end of the six-month period.
  • Multiply will not be held responsible for any loss or damage as a result of delayed, interrupted or failed
  • transactions between the member and the merchants or third parties.
  • Multiply will aggregate all premiums paid against benefits earned during the first six months and confirm whether the member is entitled to receive a money-back guarantee, including the value thereof, within thirty days following the six-month period of membership.
  • The net aggregated value, i.e. total premiums less benefits earned or received, will exclude discount reversals or cashback benefits reversed by merchants or returned products during the thirty days.

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 swiping your Multiply 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 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 swiping your Clicks ClubCard (once the benefit is activated on multiply.co.za) 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.

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:
     
Hotel Type Multiply Provider Multiply Premier
  Level 1 Level 2 Level 3 Bronze Silver Gold Platinum Private Club
Courtyard Hotels, City Lodge Hotels and Town Lodge Hotels 20% 20% 20% 25% 30% 35% 40% 45%
Road Lodge Hotels 10% 10% 10% 10% 10% 10% 10% 10%

 

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

 
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.

 

Bronze

Silver

Gold

Platinum

Private

Cashbacks

-

2%

4%

6%

10%

Clicks ClubCard Points Double points Double points Double points Double points Double points

 

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.
 
2.Who may use this benefit?
  • This benefit Multiply Premier, Multiply Provider and Multiply Starter members are eligible to receive a flat 20% off Cryo-Save services.
 
3.How to use this benefit
  • 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. 
 
4.Benefit rules 
  • 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%.
 
5.Multiply benefit or points queries
 
6.Ending the benefit
  • 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.

 

Multiply Starter

  Multiply Provider       Multiply Premier    
  Level 1 Level 2 Level 3 Bronze Silver Gold Platinum Private Club
2% 2% 4% 6% 2% 4% 6% 8% 12%

 

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. 

 

How do I get it?

  • Go to the service desk at your nearest Dis-Chem store with your ID, Multiply client number or membership card to get your Multiply/Dis-Chem Benefit co-branded card and to activate your Dis-Chem benefit.
  • 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


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


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 two international flights a 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 receive the following discounts on Emirates airfares, based on their Multiply Premier status:
 
 
Bronze Silver Gold Platinum Private Club
10 % 15% 20% 30% 40%


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


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.

 

Members can earn Active DayzTM every year by taking part in official race events.
 
1. Who may use this benefit?
 
This benefit is available to Multiply Premier, Multiply Provider and Multiply Starter principal members and their partners.
Only Multiply Premier and Multiply Provider members earn points for their Active DayzTM.
 
2. How this benefit works
 
Members earn Active DayzTM for successfully completing any official race event they have entered via Entrytime/Enteronline (www.entrytime.com).
Members can also earn points for their Active DayzTM if they successfully complete a race event that is not available to enter via www.entrytime.com, provided the results are published on an official website.
 
3. How to use this benefit
 
Members must register their profile for free on www.entrytime.com to start claiming and earning points.
 
4. How to claim Multiply points
 
The results for all race events members enter using Entrytime/Enteronline will be sent through to Multiply and will automatically allocate points.
If members enter other race events, they can still manually claim points for successfully completing these events by using Entrytime/Enteronline.  To do this, members must:
visit www.entrytime.com, and click on the “my profile” tab. This will redirect members to a Multiply web page. Members will need to login here before they click on the “Submit new claim” button in order to claim their points.
have their ID number and their Multiply membership number, as well as the details of the event (name of event and race number).
Please note: To claim points for successfully completing an event, the result of the event must be published on an official website.
Refer to points table for points. 
 
5. Benefit rules
 
This benefit is only available to the principal member or partner on Multiply Premier, Multiply Provider and Multiply Starter.
Each principal member and partner will need to register a separate profile on the Entrytime/Enteronline website.
Members must make sure they manually claim points for each successfully completed event if they did not enter the event through www.entrytime.com
Successful completion of a race event means that members completed it within the allowed/official time limit for the specific event.
If Entrytime/Enteronline has used all possible means to track the results and is not able to prove that the member successfully completed an event, Multiply reserves the right not to allocate points for the specific event.
Multiply will only award points for events successfully completed during a calendar year (January – December).
Members must claim points within four months after successfully completing the event, provided that it falls within the calendar year. Members will forfeit any potential points that they do not claim within this time frame.
 
6. Entrytime/Enteronline queries
 
If members have any queries about Entrytime/Enteronline, they can contact them by:
visiting: www.entrytime.com.
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 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:

 

Number of Days Standard Retail Price Multiply Rate*
1 R190 R170
2 R380 R340
3 R500 R480
4 R620 R600
5 R775 R755
6 R930 R910
7 R1 085 R1 065
8 R1 240 R1 220
9 R1 395 R1 375
10 R1 550 R1 530
11+ R60 per adional day R40 per additional day
 

 

  • ​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:


8.Multiply benefit or points queries:


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:


6.Ending the benefit:

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

1.What is the benefit?

  • Get Active Dayz™ quickly and easily with FitVault


2.What is Fitvault ? 

  • FitVault is a fitness app that helps you earn Active Dayz™ and get rewarded. Get active and track your physical activity with your Apple Watch  anywhere, anytime. You can even track your Parkrun. Just use FitVault. If you're working out at one of our affiliated gyms, use your FitVault app to log your gym visit and earn Active Dayz™.


Frequently Asked Questions

1.Q. How do I get FitVault?
   A.The FitVault app is available to download on the Apple App Store. Follow the steps to register and create a profile on the app.
 
2.Q. How do I use FitVault Get Active Dayz™?
   A.There are a few ways you can use FitVault to earn Active Dayz™.

  • Log your Multiply affiliated gym visit on FitVault
  • Find the list of Multiply affiliated gyms on the FitVault app.
  • Carry your phone to gym. 
  • Click “LOG A VISIT” on the FitVault app and scan the QR code on the FitVault poster in your gym. 
  • You will need to be in the gym for at least 30 minutes to earn your active day. 


Get 10 000 steps

  • Link FitVault to your HealthKit account.
  • Sync FitVault to track the number of steps you take per day with your fitness device. 
  • Get to 10 000 and you’ve got your active day.

 

Burn 300 calories

  • Link FitVault to your HealthKit account.
  • Burn 300 calories in a session and sync FitVault to get an active day.

 

Participate in an Entrytime event

  • Take part in a registered event through Entrytime and get an active day. 

 

Complete a Parkrun

  • Register on the Parkrun website and get your Parkrun barcode.
  • Scan or enter your Parkrun barcode in FitVault
  • Participate in a Parkrun on Saturday mornings. 
  • When you have finished your run, scan your Parkrun barcode.
  • Once Parkrun has released your results, sync your FitVault app to get your active day.
  • You have 30 days to sync your completed Parkruns to FitVault.
     


3.Q How do I link my fitness device to FitVault?
   A.Download the FitVault App and click on "Link a Fitness Device”. You will then be able to link your Apple Watch (through the Health Kit App), . Once     your device is linked, you will need to sync it each day to earn your active day.
 


4.Q.How many Active Dayz™ can I earn a day?

  • A.You will earn 1 active day per day, regardless of how many activities you log each day.


5.Q How much does FitVault cost?
   A.FitVault is absolutely free to download and register. You will only pay for data when using the app and the costs relating to the activities you       choose to do to earn Active Dayz™.
 


6.Q.What do I need to use FitVault on my phone?

  • FitVault is only available on iOS devices. 
  • Your phone must be with you, turned on and charged to log your gym visit.
  • Your location settings must also be turned on.
  • Your phone must be connected to mobile data or WiFi to log your activities.

 

7.Q.My activities are not syncing and I’m not earning Active Dayz™. What can I do?

   A. Please contact us if you have any questions.

 
 Standard FitVault Ts & Cs apply.
Click here for Multiply Ts & Cs.

.

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:


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:
     
Multiply Starter Multiply Provider Multiply Premier
  Level 1 Level 2 Level 3 Bronze Silver Gold Platinum Private Club
10% 10% 15% 25% 15% 20% 25% 30% 40%


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.

4.Benefit rules
  • 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 unl