Terms & conditions - South Africa - Old Mutual Rewards

Terms and Conditions

Old Mutual Rewards programme terms and conditions are changing effective from 1 April 2026. The main changes are:

New spend partners added Boxer and Shell
KFC term’s and conditions amended, there are now pre-determined set voucher values available for purchase and the balance of a wiCode not used will now be forfeited.
Zone fitness price change from R199 to R299
Funeral cover earn rates updated
Funeral cover – product exclusions added and qualifying criteria amended to include debi-check rules
Misuse, Fraud and Suspension of Membership added in section 4 Your Account

OLD MUTUAL REWARDS PROGRAMME TERMS AND CONDITIONS

These terms and conditions apply to your use of Old Mutual Rewards as at 24 October 2025. Please read these terms and conditions carefully.

All the provisions in these terms and conditions for Old Mutual Rewards are important, but please pay special attention to the parts that are inside a box with bold writing. These parts highlight and clarify terms and conditions that have special consequences for you as they may (i) limit our risk or liability; (ii) create risk or liability for you; (iii) require you to indemnify us; or (iv) require you to acknowledge certain facts. These parts are only intended to bring such terms and conditions to your attention, and to explain their fact, nature and effect. They are aids to understanding only and are not terms and conditions themselves. They do not limit the meaning or application of the terms and conditions, and do not apply only to the situations and examples described in the boxes or only to similar situations or examples.

DEFINITIONS

In these terms and conditions, the following terms have the following meanings:

Term	Definition
Account	Your account on the Old Mutual Rewards Digital Channels with your personal details, information on earning and spending points, your points balance, instant rewards, unspent vouchers and your transaction history.
Earn activity	Any qualifying act or activity as contemplated in these terms and conditions, the completion of which entitles you to earn points.
Earn activity date	The date on which you complete any earn activity.
Earning points	Being rewarded points for participating in Old Mutual Rewards, and " earn" and " earned" have corresponding meanings.
Expiry date	The date from which you can no longer use points or other rewards from Old Mutual Rewards because the time within which you could use them has passed.
Force majeure	Events beyond Old Mutual’s reasonable control that makes it impossible for Old Mutual to deliver its obligations in terms of these terms and conditions e.g. war or natural disaster.
Good standing	Means that your account is active and not suspended or terminated and you are not in breach of any of these terms and conditions and your obligations towards us.
Rewards from Old Mutual Rewards	Rewards in the form of points, coupons, competition entries or other types that may be offered to you instantly if the criteria set out in these terms and conditions or any rewards partner terms and conditions are met. Rewards partner terms and conditions will be available on the Old Mutual Rewards website.
Investments at Old Mutual	Refers to the total market value of the investments in the qualifying Old Mutual products as specified in Section 6.1 in a specific month. Typically, the value of the investments as at the 25th of a particular month is used but the exact date may vary depending on the information provided to Old Mutual Rewards by the underlying product administration systems of the qualifying products.
"Member" or "you" or "your"	Any person who successfully registers an account, and "membership" has a corresponding meaning.
Moneyversity+	Old Mutual’s online financial education website accessible at http://www.moneyversity.co.za
"Old Mutual", or "we", "our" or "us"	Old Mutual Rewards (Pty) Ltd, registration number 2018/095769/07, a company within the Old Mutual Group.
Old Mutual Group	Old Mutual Emerging Markets (Pty)Ltd, a company incorporated in South Africa, with registration number 1998/012277/07 and with its registered address at Mutualpark, Jan Smuts Drive, Pinelands 7405, South Africa, and all its affiliates registered in the Republic of South Africa, but excludes Nedbank Limited and all its respective subsidiaries.
Old Mutual product	Any savings, investment, transactional, lending or insurance product that is sold or provided by a company in the Old Mutual Group and/or under the Old Mutual brand and which qualifies as a product for earning points in terms of Old Mutual Rewards, as set out in paragraph 6.
Old Mutual product category	The product category into which Old Mutual products are categorised in the product category rules of the Old Mutual Rewards programme as set out in paragraph 6.
Old Mutual Rewards	Old Mutual’s rewards programme, on the terms set out in these terms and conditions.
Old Mutual Rewards website	The website relating to the Old Mutual Rewards programme, which is accessible at the URL http://www.oldmutual.co.za/rewards or such other URL as we may use for this purpose from time to time.
Old Mutual App	Means the mobile application software and associated media, made available by Old Mutual to users under its terms and conditions, for communicating data, text, audio and video, with compatible mobile devices and for receiving advertisements, incentives and other material using the software developed and managed by Old Mutual.
OM Banking App	Means the mobile application software and associated media, made available by Old Mutual to users under its terms and conditions, for communicating data, text, audio and video, with compatible mobile devices and for receiving advertisements, incentives and other material using the software developed and managed by Old Mutual for OM bank customers (OM Bank app).
Old Mutual Whatsapp	The Old Mutual Whatsapp service available on 0860 933 333.
Old Mutual USSD	The Old Mutual USSD service available on 1206672#
Digital Channels	Refers to the Old Mutual Rewards website, Old Mutual App, Old Mutual Whatsapp, and Old Mutual USSD.
Personal information	Personal information as defined in the Protection of Personal Information Act of 2013, relating to you or any other person, that includes, but is not limited to full name date of birth gender marital status credit report information financial information including income bands educational level number of dependents ID document information (including type, number and country of issuance) any identifying number, such as your Old Mutual Rewards membership number contact information (addresses including email and contact numbers) Old Mutual product information (related to earn activity) 22Seven information (related to earn activity) responses to surveys and assessments on your financial, fitness and health wellbeing endurance events information
Points	The points that you earn and spend in terms of Old Mutual Rewards, as reflected in your account from time to time. Points are not cash. You may not sell, issue, exchange, barter or redeem points for cash.
Premium	The agreed amount of money that you pay every month (or from time to time) to any company of the Old Mutual Group in respect of a qualifying Old Mutual product.
Rewards partners	The vendors, retailers, food outlets and other services providers as contemplated in paragraph 7 where you can spend your points or use your vouchers.
Terms and conditions	These terms and conditions relating to Old Mutual Rewards.
Old Mutual Rewards voucher	The voucher issued when you redeem points for a voucher which voucher is represented by an electronic message (containing an image and/or text and numbers) sent to your mobile phone or other electronic device. You can use this to pay for goods or services at rewards partners.
Quick Response (QR) code	A numeric code in a form of a barcode sent to your mobile phone or other electronic device for immediate use when paying for goods or services at rewards partners.
Qualifying Payment Method	Qualifying Payment Method in relation to premiums paid under qualifying funeral policies, means DebiCheck and Stop Order/Salary Deduction and excludes premiums paid using any other payment method, including but not limited to manual payments, cash deposits, EFTs, or non‑authenticated debit orders.

1. INTRODUCTION

The rewards programme known as Old Mutual Rewards is owned and managed by Old Mutual.

Membership enables you to earn points, which can be exchanged for vouchers and/or spent at any of our reward partners in accordance with these terms and conditions.

Old Mutual Rewards is available for free to customers of all the companies in the Old Mutual Group as well as members of the public who do not have any Old Mutual products.

2. AGREEMENT TO THESE TERMS AND CONDITIONS

These terms and conditions are the rules that apply to your use of Old Mutual Rewards. They explain, amongst other things, what you will get out of the programme, what you need to do to earn points and how you are able to spend them. At the same time, it sets out Old Mutual's duties and responsibilities to you. Please note that Old Mutual’s Privacy Policy, accessible on the Old Mutual website, is hereby incorporated by reference into these terms and conditions and form part of these terms and conditions.

By agreeing to these terms and conditions, you also agree to be bound by the provisions of the Privacy Policy. You must agree to and accept these terms and conditions to be able to use and benefit from Old Mutual Rewards and to earn and use points. You agree to these Terms by registering an account with us on the Old Mutual Rewards website in accordance with paragraph 3 below. If you do not accept these terms and conditions, no valid Old Mutual Rewards account will exist, you will not be regarded as a registered member, and you will not be entitled to participate in or receive any benefits of the programme.

These terms and conditions may be updated and amended by us at any time in our sole discretion. All changes to these terms and conditions will take effect from the time that we place them on the Old Mutual Rewards Digital Channels. We will tell you about material changes by putting a notice about it on the Website, or by including a notice on your monthly account statement.

We also encourage you to review and check the terms and conditions (including any changes to the terms and conditions which we may make) whenever you wish to use Old Mutual Rewards or any related service.

3. HOW TO BECOME A MEMBER

You have to register to become a member of Old Mutual Rewards as set out below by opening an account and agreeing to and accepting these terms and conditions by means of the Old Mutual Rewards website. You can only earn and use your points after that.

You can register by completing an electronic registration form which is available on the Old Mutual Rewards website, Old Mutual App, Moneyversity website, quote and application process when purchasing selected Old Mutual products and/or OM Bank products or through other means that may be available.

As part of the registration process, you will be required to create an account. You will do this by completing the above mentioned electronic registration form which will include:

creating a username and password;
providing us with all the information we require, including but not limited to a valid email address and contact number; and
agreeing to these terms and conditions and the Privacy Policy.

Once you have provided us with your registration details, we will confirm your registration by sending you a confirmatory email or sms. Membership only becomes valid once the registration process is successfully completed and these terms and conditions have been accepted. Until then, you will not be regarded as a registered member and will not be entitled to earn, receive, or use any Rewards benefits or points.

All information you give us must be truthful, accurate and complete. This also includes the information that we request you to provide in the registration process and at any time after that. Your registration can be rejected if you fail to properly complete the electronic registration process.

Membership is free, and you don’t need to have any Old Mutual products to become a member.

You must be at least 18 years old to become a member of Old Mutual Rewards.

4. YOUR ACCOUNT

After you complete the registration process described in paragraph 3 above, we will create your account.

As a member of Old Mutual Rewards you will have an account where your points will be collected and recorded for you. Each member can have only one account.

You will need to use your username and password to access your account and to use Old Mutual Rewards. You will also be given a personal Old Mutual Rewards membership number which may also need to be used.

You must keep your username and password details secret. To the maximum extent permitted by law, you will be responsible for use of your account and your password whenever a person performs any act with your password or through your account and:

you agree that we may treat this as if it was done by you and with your approval, and
you hereby indemnify us and the Old Mutual Group against any loss which you or any person may suffer from any such act or use.

You must take all reasonable and appropriate measures not to share, display in public, or make your password details available to any person who is not authorised to access your account.

You must notify us immediately by sending us an email at [email protected] if you suspect that another person has obtained unauthorised access to your account, or password, or if you are aware of any unauthorised use of your account or password. You will be responsible for changing your privacy settings on your account as soon as you become aware of any unauthorised access or use.

You accept that we cannot protect you if you do not keep your password secret or if someone obtains unauthorised access to your account.

MISUSE, FRAUD AND SUSPENSION OF MEMBERSHIP

We want all members to enjoy Old Mutual Rewards fairly. You must use the programme honestly and in line with these terms and conditions.

You may not misuse or abuse Old Mutual Rewards in any way. This includes, but is not limited to:

•   providing false, misleading, or incomplete information;
•   attempting to earn points or rewards in a way that is dishonest, unfair, or not intended by the programme rules;
•   manipulating, exploiting, or gaming any earn activity, promotion, system, or process;
•   allowing another person to use your account or rewards without permission; or
•   using your account or rewards for unlawful, fraudulent, or improper purposes.

Where we reasonably believe that fraud, misconduct, abuse, manipulation, or suspicious activity has occurred, we reserve the right (to the extent permitted by law) to:

•   investigate the activity;
•   temporarily suspend your account;
•   cancel or reverse points, rewards, vouchers, or benefits;
•   withhold pending rewards or redemptions; and/or
•   terminate your membership.

We may take these actions with or without prior notice where necessary to protect the integrity of the programme, our members, our rewards partners, or to comply with legal, regulatory, fraud prevention, or risk management requirements.

Old Mutual and the Old Mutual Group will not be responsible for any loss of points, rewards, or benefits resulting from action taken in line with this section.

Reporting suspected fraud or unauthorised activity

If you suspect that your Old Mutual Rewards account, points, or rewards have been accessed or used without your permission, or that any fraudulent or suspicious activity has occurred, you must notify us as soon as reasonably possible, and no later than 30 days after becoming aware of the issue.

You can report suspected fraud by contacting Old Mutual Rewards using the contact details made available on our Digital Channels, including emailing [email protected].

You should also take reasonable steps to protect your account as soon as you become aware of any suspected unauthorised access, including changing your password or access details.

We will generally investigate reported incidents and aim to provide feedback or an outcome within 20 business days from receipt of all required information. Some matters may take longer to resolve due to their complexity, the need for additional information, or involvement of third party rewards partners.

Our ability to investigate or recover points, rewards, or benefits may be limited to activity occurring up to 30 days prior to the date the matter is reported, unless required otherwise by law or where exceptional circumstances apply.

Failure to notify us promptly may impact our ability to investigate the matter or recover any points, rewards, or benefits, and Old Mutual will not be responsible for losses arising from delays in reporting.

This paragraph 4 has important legal consequences for you. In this paragraph you take on liability and risk, our risk and liability is limited, claims you may have against us are excluded, and you indemnify us from loss or claims suffered by you or any other person.

You are solely responsible for protecting your password and access to your account. You accept that various things can go wrong if someone uses your password or account without your permission. You will not be able to hold the Old Mutual Group liable if anyone uses your password to access your account without your permission. Please make sure you keep your password secret.

5. EARNING POINTS

5.1 GENERAL AND MANAGING DETAILS

As a member of Old Mutual Rewards, you will be able to earn points, instant rewards, and/or qualify for discount offers in accordance with and as set out in these terms and conditions.

You earn points for completing earn activities. You can spend these points when they are reflected in your account.

You can keep track of your points balance and account activity by logging into your account and clicking on ‘Earn and Spend’.

You must notify us in writing by emailing [email protected], if any information you provided to us, including personal details, has changed or is incorrect or incomplete. This change will be actioned within 5 working days.

We will use and rely on the most recent details which you have provided to us. It is your responsibility to update us if the details we have for you change or if they are incorrect or incomplete. If you do not update us, we will continue to use and rely on the most recent details that you have provided to us.

We will send you a monthly account statement showing all your transactions for the month, including your points balance, points redemption.

If you have a dispute relating to the monthly account statement, you must advise us in writing, or by contacting the Contact Centre, within thirty (30) days of the statement date. Unless you let us know in writing or via Contact Centre that there is an error on the monthly account statement, each statement we send you will be binding and final

You agree that we will be entitled to regard the monthly account statements as having been received by you when the statements have left an information system designated or used by us and sent to an email address that you provided.

You acknowledge that we have no control over the receipt of the statements and agree that we will not be liable for any loss or damage caused to you as a result of non-receipt of the statements or any access to the content of the statements sent to the email address that you provided;

This paragraph 5.1 has important legal consequences for you. You are agreeing to take on liability and risk, limit our risk and liability and also claims you may have against us.

It is your responsibility to make sure that your details are always up to date. We will use these details as if they are correct and will not be responsible or liable if you do not update your details, or we do something using incorrect details that you have provided to us.

You may not be able to take action against us for any losses or damages which you may suffer as a result of your details not being up to date.

You are also solely responsible for letting us know if your points balance is incorrectly reflected in your account within 30 days of the points reflecting in your account. If you do not let us know that you dispute the points balance or that there is an error with your points, we will take the points balance as reflected in your account to be correct.

You may not be able to hold us liable for any incorrect points balances if you do not notify us of the mistake in time.

It is important to note that it may take up to ninety (90) days for points earned on the earn activity date to reflect in your account, and before you can spend those points. Please take this into account when reviewing your points balance.

The above paragraph has important legal consequences for you. You are agreeing to take on liability and risk, limit our risk and liability and also claims you may have against us. It may take up to ninety (90) days from the earn activity date for you to be able to use the relevant points you earned.

The amount of points allocated to any specific earn activity will be as specified in the POINTS EARNING TABLE from time to time, and may change at any time as contemplated in paragraph 6.2. This will not however affect existing points which you have already accumulated.

Some earn activities may carry specific terms and limitations, as specified on the Old Mutual Rewards Digital Channels from time to time. Please visit the Old Mutual Rewards Digital Channels regularly to identify the earn activities and the points allocations. The exact number of points you may earn from each will be as specified on the Old Mutual Rewards Digital Channels from time to time.

We reserve the right to adjust benefits and the points allocated to any specific earn activity if applicable legislation impacts on the benefits Old Mutual Rewards offers and requires such adjustment.

Points earned cannot be exchanged for cash.

Your earned points will remain valid for a period of three (3) years from the earn activity date on which you earned such points. This means that if you do not use your points by the third anniversary of the relevant earn activity date, they will expire and you will not be able to use them anymore.

The above sub-paragraph has important legal consequences for you. You are agreeing to take on liability and risk to use your points within three years of earning them, and accept that if you do not do so, you will lose the points.

Points are not transferable to another person for any reason, including divorce or inheritance.

We will make every reasonable effort to maintain and monitor your account, points balance, transactions and to ensure that information or content that we publish on the Old Mutual Rewards website is accurate and complete. However, to the maximum extent permitted by law and subject to the rest of these terms:

(a) you agree that we will not be liable or responsible for, and

(b) you hereby release us and each member of the Old Mutual Group and our respective agents, officers, subsidiaries, holding companies, affiliates, successors, assigns, directors, service providers, suppliers, employees or representatives from, and hereby indemnify each of us against, all claims in respect of;

any loss, liability or damage of whatsoever nature arising from or suffered in connection with the Old Mutual Rewards programme, by you or any other person, or that is caused by any failure to award you points in accordance with these terms and conditions, for whatever reason, including as a result of a mistake, error, omission, interruption, deletion of files or email, defect, viruses, delay in operation or transmission, whether resulting or not from any force majeure or from theft, destruction or unauthorised access to our records, programmes or services.

The sub-paragraph above has important legal consequences for you. It limits our risk and liability, as well as that of the Old Mutual Group and other related persons, in relation to you, and you undertake to hold Old Mutual Group and others harmless in the event that you have any claim in relation to Old Mutual Rewards or to any failure to award points to you for any reason. We will always endeavour to maintain ongoing access, and prevent and correct disruptions and failures, including the points allocation processes on this website. If for any reason we make a mistake, there is a technical error, or any circumstances listed above arise which results in the incorrect points being allocated to you, you will not be able to pursue any action against us for any loss or damage suffered as a result of this or otherwise through your use of the Old Mutual Rewards website. You also indemnify all of us for any claims which may be made by third parties.

5.2 ENGAGEMENT-RELATED EARN ACTIVITIES

Below we describe the circumstances under which you are able to earn points through your engagement with the Old Mutual Group. The exact number of points you may earn from each will be as specified on the Old Mutual Rewards Digital Channels from time to time. Visit the Old Mutual Rewards Digital Channels regularly to identify the activities and points allocations.

POINTS EARNING TABLE FOR ENGAGEMENT EARN ACTIVITIES (see details per activity below table)

Earn activity	Description	Points earn	Conditions
Join	Earn points for joing Old Mutual Rewards.	Points earned during special campaigns.	You may only earn points for joining once.
Refer family and friends	Earn points for referring others to Old Mutual Rewards. When they join, they can capture a referral code, which earns you points.	Points for each person who joins.	Friends and family who join must capture the unique referral code, be an Old Mutual customer or become one in future and they need to earn at least one Old Mutual Rewards point. *Old Mutual South Africa staff are not eligible to earn referral points.
Complete surveys	Earn points for taking part in selected Old Mutual surveys.	Varies, depending on the survey.	Varies, depending on the survey.
Promotions	Earn points (and instant rewards, direct rewards etc.) for taking part in promotions.	Varies, depending on the promotion.	Varies, depending on the promotion.

*Old Mutual South Africa staff - Employees of Old Mutual South Africa, including permanent employees, fixed‑term employees, contractors, interns, learners, tied advisors and any person classified as staff, are not eligible to earn referral points. Staff may continue to refer individuals, but no referral points will be allocated for such referrals.

This exclusion applies only to South African Old Mutual staff participating in the South African Old Mutual Rewards Programme. Staff employed in Old Mutual Namibia or any other Old Mutual territory remain eligible to earn referral points.

Join Old Mutual Rewards

From time to time, during special promotions, you may earn points when you register for Old Mutual Rewards, depending on the terms and conditions applicable at the time and as stated on the Old Mutual Rewards website. You can only earn points for joining once, unless stated otherwise. You can only have one account and your account has to be active and in good standing for you to be able to earn points.

Invite your family and friends to join Old Mutual Rewards

You will earn points for inviting your friends or family members to join Old Mutual Rewards. Your friends or family members will need to register for the programme using a unique a code. It is your responsibility to ensure that your friend or family member enters your unique code correctly. If not, you will not earn any points. Points will be credited to your account once the friend or family member registers fully for the first time and only if and when the following criteria are met:

The friend or family member you invite must either already own, or must in the future come to own, any of the qualifying Old Mutual products listed in section 6. It may take up to six months for us to verify that the person you invited owns a qualifying product, depending on data availability from the relevant product system.
The friend or family member you invited must have earned at least one Old Mutual Rewards point.
*Old Mutual South Africa staff do not qualify for referral points, even if the above conditions are met.

There is no limit to the number of friends and family you can invite, but there may be limits on the points you earn for the invitations. You will not receive points if the person you invited is already a member of Old Mutual Rewards, or if the invitation is rejected, not confirmed or is not received for any reason.

You can only earn points once for each person you invite.

Where you pass the name and contact details of your friend or family member to Old Mutual Rewards, you confirm that you have their permission to do so and they are aware that Old Mutual Rewards will be processing their personal information. You also consent to us using your name and contact details to verify you as the person who invited friend or family member and in any communications we may have with your friend or family member.

Participate in selected surveys

You will earn points for completing selected surveys run by Old Mutual. There may be a delay of up to 90 days from when you complete the survey until you receive and are able to use the points. As set out in the Privacy Policy, your responses to surveys may be used in our academic and/or market research and analytics unit to refine our propositions to customers. The data collected from the surveys will not be identifiable, thus ensuring anonymity of your responses and the responses published for academic and/or market research purposes will be aggregated and anonymised.

Promotional earn opportunities

You will earn points, instant rewards or discounts for certain activities that will depend on the specific promotion.

The amount, conditions and requirements for earning those points will be specified clearly on the Old Mutual Rewards website or the relevant promotional material.

You may, on certain occasions, also be issued with automatic entries to competitions, for example when you participate in online surveys as may be specified on the Old Mutual Rewards website from time to time. To read more about promotions and competitions click here.

5.3 FINANCIAL WELLNESS EARN ACTIVITIES

You will earn points for a variety of qualifying financial wellness activities as part of Old Mutual Rewards’s objective to promote good financial behaviour and education. Not all financial education or financial wellness activities offered by Old Mutual will be rewarded.

Below we describe the circumstances under which you are able to earn points. The exact number of points you may earn from each will be as specified on the Old Mutual Rewards website from time to time. Some earn activities may carry specific terms and limitations, as specified on the Old Mutual Rewards website from time to time. Please see the latest list of eligible financial wellness earn activities here or visit the Old Mutual Rewards website regularly to identify the activities and points allocations. The exact number of points you may earn from each will be as specified on the Old Mutual Rewards website and the total number of points you can earn from financial wellness activities may also be subject to an annual limit as may be specified on the Old Mutual Rewards website from time to time.

Financial advice

If you're Tier 2 or above, on Tier 1 with at least one qualifying Old Mutual product, you can earn points for requesting financial advice from the Old Mutual Group on the Old Mutual Rewards website or engaging with your financial adviser.

If you're Tier 1 and have no qualifying Old Mutual product, you will no longer earn points for requesting financial advice from the Old Mutual Group on the Old Mutual Rewards website or engaging with your financial adviser.

Refer to the table 6.1 to view qualifying products and criteria.

Moneyversity+

You may earn points when completing/engaging with selected content on the Moneyversity+ website, for example watching videos, completing quizzes and successfully completing courses. Moneyversity+ has separate terms and conditions. Please make sure you read, understand and accept the terms and conditions and the rules before participating on online assessments. To read the Moneyversity+ terms and conditions, click here

You can revisit learning material (e.g. rewatch videos, reread articles, retake quizzes), but points for each item can only be earned once per calendar year. No additional points will be awarded for repeating content.
• If you're Tier 2 or above or on Tier 1 with at least one qualifying Old Mutual product, you can earn up to 2 000 points per year.
• If you're Tier 1 and have no qualifying Old Mutual product, you can earn up to 200 points per year.

Refer to the table 6.1 to view qualifying products and criteria.

Please note that should there be any conflict between the Old Mutual Rewards terms and conditions and the Moneyversity+ terms and conditions, the Old Mutual Rewards terms and conditions shall prevail.

Financial wellness assessments, calculators and requesting a credit report

You may earn points when completing selected financial wellness assessments, using financial calculators and/or requesting a credit report on the Old Mutual Rewards website.

The detailed terms and conditions for accessing your credit report can be found here.

Vault22

You may earn points for engaging on the Vault22 app. Detail on the points earn activities can be found on the Old Mutual Rewards Digital Channels.

Please refer to the Vault22 app for detailed Vault22 terms and conditions of use.

Financial interests

You may earn points for selecting your financial interests on the available Digital Channels. By selecting your financial interests, we are able to let you know which financial wellness activities may be appropriate for you and to provide you with personalised promotions and special offers.

5.4 OLD MUTUAL GROUP PRODUCT EARN ACTIVITIES

You may earn points if you have qualifying Old Mutual products. The exact number of points you may earn from each will be as specified on the Old Mutual Rewards website.

You become eligible to earn Rewards points only after your first login to your Rewards account following a successful registration. This means that you have either successfully logged into your Rewards account on the Rewards website or accessed the Rewards feature on the OM App or OM Bank App after successfully registering your Rewards account.

It is important to note that it may take up to ninety (90) days between the date on which you purchased a new Old Mutual product or made changes to an existing product and the earn activity date for the points earned to reflect in your account.

All your qualifying Old Mutual products need to be in good standing, i.e. all premiums are paid on time and in an active status (therefore not overdrawn, lapsed or have missing or missed/arrear premiums) to earn points in respect of any qualifying Old Mutual products.

Note: You will not earn points on any of your qualifying Old Mutual products until you have successfully registered for Old Mutual Rewards and accepted the Rewards Terms and Conditions and have logged in to your Rewards account at least once after registration. Logging in activates your Rewards account and enables points earning.

You can speak to your financial adviser for any further information regarding products and investments. All insurance and investment products have their own terms and conditions.

6. OLD MUTUAL REWARDS TIERS & POINTS EARNED ON OLD MUTUAL PRODUCTS

6.1 OLD MUTUAL REWARDS TIERS

The Old Mutual Rewards programme has five (5) tiers. As a member of Old Mutual Rewards, your tier status will depend on how many product categories you have covered with selected Old Mutual products.

Regardless of the number of products that you own you will qualify for Tier 4 membership if your investments at Old Mutual are worth R25 million or more and Tier 5 if your investments are worth R50 million or more.

Your tier status will be re-assessed monthly.

It may take up to ninety (90) days between the date a new product was taken up or an existing product amended, and the date the tier status is updated.

	Tier 1	Tier 2	Tier 3	Tier 4	Tier 5
Number of product categories required	Zero or 1 product category	2 or 3 product categories	4 product categories	5 product categories	6 or more product categories

The product categories, as defined by the Old Mutual Rewards programme, are set out below. To have a product category covered with Old Mutual, you need to be the contracting party for a qualifying product in that product category. The product also needs to be in good standing and certain minimum qualifying requirements may apply (see table below).

In total, there are ten available product categories, namely:

Transactional
Lending
Funeral Cover
Life Insurance
Disability Insurance
Severe or critical illness Insurance
Savings and investments
Retirement Savings
Income Annuities
Short-term Insurance

The table below provides an overview of each of the qualifying Old Mutual product categories.

Product category

Qualifying Old Mutual products

Qualifying criteria

1.Transactional

1. OM Bank

OM Bank:

You must have satisfied all the criteria for either the debit card or the Credit card:

Debit Card

Minimum value of R2,500 deposited into the account (can be cumulative).
At least one recurring payment must be made.
Have a minimum of five (5) qualifying card transactions (swipes, taps, online purchases, or virtual card payments):
a. ATM, EFT transactions and bank charges are not included.
Account must be active and not be in arrears.

Credit card

1. Account must be active and in good standing:
a. Not in arrears
2. Minimum payment made by the due date

a. Make five or more qualifying card transactions in a month.

2.Lending

1. Old Mutual Finance Personal Loans

2. Old Mutual Home Loans

Old Mutual Finance Personal Loans:

Loan must be in good standing and not in arrears with payments and you must have satisfied the following two criteria monthly:

Your lending instalment must be paid through a debit order from your OM Bank account and
You must have paid your lending instalments for at least 3 consecutive months

Old Mutual Home Loans:

Loan must be in good standing and not in arrears with payments.

3.Funeral cover

1. Old Mutual Group Schemes Individual Funeral Plans

2. Old Mutual Greenlight Final Expenses (standalone) Policy

3. Old Mutual Flexi Funeral Cover Policy

4. Old Mutual Protect Funeral Cover

Note: the following are excluded:

Group Assurance Funeral Cover (Employer‑based risk cover)
Burial Society Funeral Cover (including Stokvels)

The policy must be active, meaning it is not in arrears, not lapsed, not paid‑up, and has no claim in progress.

Points are earned only if premiums are paid using one of the following Qualifying Payment Methods: (effective from 1 April 2026)

DebiCheck
Stop Order/Salary Deduction

Points are not backdated for periods where the payment method did not qualify.

“Qualifying Payment Method” in relation to premiums paid under qualifying funeral policies, means DebiCheck and Stop Order/Salary Deduction and excludes premiums paid using any other payment method, including but not limited to manual payments, cash deposits, EFTs, or non‑authenticated debit orders.

Premiums paid do not qualify for Rewards points, regardless of payment success or policy status if the premium was not paid using one of the Qualifying Payment Methods.

Tier Qualification
A member’s tier qualification or tier movement is not affected solely by the payment method used, provided premiums continue to be paid and the policy remains active.

Disclaimer: It is illegal for an insurer to induce a customer to maintain his/her policy with loyalty points and therefore, only if you are able to continue paying premiums and wish to prevent your policy from inadvertently lapsing, you could switch to a Qualifying Payment Method to become eligible for Rewards points on your qualifying policy"

4.Life Insurance

1. Old Mutual Group Schemes Pure Life, Life and Disability and Accidental Death and Disability Plans

2. Old Mutual GREENLIGHT policy with one/more of the following standalone cover types:

Death Cover
Accidental Death or Disability Benefit Cover

3. Legacy Pure Life Cover policies

4. Old Mutual Protect policy with one/more of the following cover types:

Life cover
Accidental death cover
Accidental disability and death cover

Policy must be in good standing, not in arrears, lapsed, paid-up or have any claims in progress.

*Note: The following are excluded:
Death Cover Premium Protection Riders or Death Cover Decreasing Waiver Cover
Group Assurance Life Cover (Employer-based risk cover)
Burial Society Life Cover (including Stokvels)
Future Cover
Retrenchment or Unemployment Cover
Business Cover Policies
Old Mutual Personal Income Protection Plan

5.Disability Insurance

1. Old Mutual Group Schemes Disability Cover Plans

2. Old Mutual GREENLIGHT or Old Mutual Protect policy with one of the following standalone or accelerator/add-on cover types:

Disability Cover
Functional Impairment Cover
Physical Impairment Cover
Disability Income cover
Functional Impairment Income cover

Policy must be in good standing, not in arrears, lapsed, paid-up or have any claims in progress.

*Note: The following are excluded:
Disability Cover Premium Protection Riders or Disability Cover Decreasing Waiver Cover
Group Assurance Disability Cover (Employer-based risk cover)
Future Cover
Retrenchment or Unemployment Cover
Business Cover Policies
Old Mutual Personal Income Protection Plan

6.Severe or Critical Illness Insurance

1. Old Mutual GREENLIGHT or Old Mutual Protect policy with one of the following standalone or accelerator/add-on cover types:

Severe Illness Cover

Policy must be in good standing, not in arrears, lapsed, paid-up or have any claims in progress.

*Note: The following are excluded:
Group Assurance Severe Illness Cover (Employer-based risk cover)
Future Cover
Business Cover Policies
Old Mutual Personal Income Protection Plan

7.Savings & investments

1. Old Mutual Group Schemes Savings plans:

Essential Savings Plan
Education Plan
Investment Plan

2. Legacy Savings, Investments and Endowment Plans

3. MAX Investmens (includingSmartMAX Education Plan)

4. Old Mutual Tax Free Savings Plan

5. Old Mutual Wealth Investments:

Life Wrapped and Linked Investments
Fixed Bonds
Tax Free Investments
Private Client Securities (including My Wealth Trader)

6. Old Mutual Unit Trust Standard and Tax Free Investments.

7. Future Invest savings products

Policy must be in good standing, not in arrears, surrendered, lapsed, matured or partially/fully paid up.

*Note: The following are excluded:
Burial Society Savings Schemes (including Stokvels)
Old Mutual International Funds
Old Mutual Private Equity
Funds managed by third parties such as ACSIS or MARRIOT etc.

8.Retirement savings

1. Group Schemes Retirement Annuity Plans:

Essential Savings Retirement Annuity
Retirement Annuity

2. Legacy Retirement Annuity plans

3. MAX Investments Retirement Annuity

4. Old Mutual Wealth Retirement Annuity and Preservation Funds

5. Old Mutual SuperFund Umbrella Solutions

Policy must be in good standing, not in arrears, surrendered, lapsed, matured or partially/fully paid up.

*Note: The following are excluded:
Old Mutual Employee Benefit Schemes not listed above(i.e. non-SuperFund) including Defined Benefit Schemes.
Superfund Preserver, SuperFund Protektor, SuperFund Deferred Retirement
Burial Society Retirement Plans

9.Income Annuities

1. Legacy Annuities

2. Old Mutual Linked Retirement Income

3. Investment Frontiers Retirement Income Portfolio

4.MAX Income Annuities

Policy must be in good standing, not in arrears, surrendered, lapsed, matured or partially/fully paid up.

*Note: The following are excluded:
Old Mutual Pension Schemes Annuities including Platinum Pension, Inflation linked annuities and OptiPlus.

10.Short-term insurance

1. Elite Wealth Assets

2. allsure:

3. prosure

4. motorsure

5. SPIGS

Policy must be in good standing, not in arrears or lapsed.

*Note: The following product solutions are excluded:
Group Schemes, iWYZE, Commercial, Agriculture, Underwriting Management Agencies (UMAs), Credit Guarantee (CGIC) and Specialty (e.g. Corporate, Marine, Engineering)

*The table above will be updated from time to time.

6.2 POINTS EARNED ON OLD MUTUAL PRODUCTS

6.2.1 POINTS EARNED AS A PERCENTAGE (%) OF PREMIUMS

These points are earned as a percentage (%) of any premiums, instalments or contributions made by the member towards qualifying Old Mutual Products. The percentage is influenced by the following factors:

The number of product categories you have covered with Old Mutual (see the section 6 under tiers for more information).
The type of products to which such premium, contribution or instalment were paid.
The size of such premium and/or contribution and/or instalment that were paid.

6.2.1.1 EARN RATES

Tier	1	2	3	4	5
Type 1: Savings and Investments, Retirement savings and Income Annuities (excluding Old Mutual Wealth, Unit Trust and Private Client products) Points earned as a % of Premiums/contributions	0.5%	1.5%	2.5%	3.5%	5%
Type 2: Life, Severe Illness and Disability Insurance Points earned as a % of premiums	5%	10%	20%	30%	35%
Type 3: Short-term insurance Points earned as a % of premiums excluding VAT	2.5%	5%	10%	15%	20%
Type 4: Funeral cover Points earned as a % of premiums	5%	10%	20%	30%	35%
Type 5: Lending (Old Mutual Personal Loans) Points earned as a % of instalments	0.5%	1.5%	2.5%	3.5%	5%
Type 6: Lending (Old Mutual Home Loans) Points earned as a % of the lower of: the contractual monthly instalments due (Amount Due); and the actual monthly payment	2.5%	5%	10%	15%	35%
Type 7: Fitness Bonus Points (Old Mutual Protect) Points earned as a % of premiums	25%	50%	100%	125%	250%
Type 8: Health Bonus Points (Old Mutual Protect) Points earned as a % of premiums	0%	0%	50%	100%	215%
Type 9: SuperFund Retirement Savings Regular Contributions Points earned as a % of premiums	0.25%	0.75%	1.25%	1.75%	2.5%

Example 1: In a particular month, a member has the following Old Mutual Products:

The member contributes towards a funeral plan with a monthly premium of R100.
The member also has life cover with a monthly premium of R1 000.
The member therefore has two product categories covered.

In this month, the member will earn:

Plus 5% * R100 = 5 points for the funeral plan
Plus 10% * R1 000 = 100 points for the life cover
Total monthly points = 5 + 100 = 105 points.

6.2.1.2 QUALIFYING PRODUCTS

To understand which product premiums are covered under each of these two types of qualifying products, please refer back to the Product Category Table in section 6 and note the following:

Type 1: Premium for Savings and Investments, Retirement Savings and Income Annuities includes the premium and contributions from the products in the following categories:
- Savings and Investments (e.g. Group Schemes savings policies or Tax Free Savings policies but excluding any Old Mutual Wealth and Unit Trust, Private Client Savings and Investment products)
- Retirement Savings (e.g. MAX Investments Retirement Annuity/Preservation Funds, Old Mutual SuperFund etc but excluding any Old Mutual Wealth and Unit Trust Retirement Savings products).
- Income Annuities, (e.g. Old Mutual Max Income living, guaranteed and composite annuities premiums but excluding any Investment Frontiers, Old Mutual Wealth living, guaranteed and composite annuities)
Type 2: Premium for Life insurance includes the premium from the products in the following categories:
- Life Cover (e.g. Group Schemes Life Plan, Greenlight Death Cover, or Old Mutual Protect Death Cover)
- Disability Cover (e.g. Greenlight Disability Cover, or Old Mutual Protect Disability Cover)
- Severe Illness or Critical Illness Cover (e.g. Greenlight Severe Illness, or Old Mutual Protect Severe Illness Cover)
Type 3: Premium for Short-term insurance includes the premium on the following Old Mutual Insure products:
- Elite
- allsure
- prosure
- motorsure
- SPIGS

Points on annual premium products will be awarded monthly in arrears, using the annual premium paid divided by 12 (excluding VAT).

Type 4: Premium for Funeral Cover (e.g. Group Schemes funeral plan, Greenlight Final Expenses, Old Mutual Protect Funeral Cover, etc.)
Type 5: Premium for Lending (Old Mutual Personal Loans) includes the instalments from the products in the following categories:
- Old Mutual Home loans
Type 6: Premium for Lending (Old Mutual Home Loans) includes the instalments on Old Mutual Home Loans.
Type 7 and 8: Premium for Fitness and Health Bonus Points includes the premium on the following Old Mutual Protect products only (GREENLIGHT products do not qualify for earning bonus points):
- Old Mutual Protect Life Cover
- Old Mutual Protect Life Income Cover
- Old Mutual Protect Disability Cover
- Old Mutual Protect Functional Impairment Cover
- Old Mutual Protect Physical Impairment Cover
- Old Mutual Protect Severe Illness Cover
- Old Mutual Protect Disability Income Cover
- Old Mutual Protect Functional Impairment Income Cover

6.2.1.3 FITNESS AND HEALTH BONUS POINTS

6.2.1.3.1 Fitness Bonus Points

Old Mutual Rewards members with qualifying Old Mutual Protect products can earn bonus points for staying physically fit.

What you need to do:

Be the policyholder and the life insured on a qualifying Old Mutual Protect product.
Complete the Old Mutual Rewards health questionnaire.
Complete either:
- a qualifying endurance event every 6 months and submit the Old Mutual Rewards endurance event form OR
- an annual fitness assessment and meet the fitness criteria.

Fitness assessment qualifying criteria:

You will need to book a fitness assessment with a Biokineticist on our network, which you will need to pay for. The Biokineticist will provide you with a copy of the results and also send the results directly to Old Mutual.

The fitness assessment consists of following measures and tests:

Fitness Measures	Fitness Tests	Citeria Required
Cardiovascular risk screening	Screening Questions	Not applicable
Body composition	Body mass index classification	1
	Waist circumference	1
	Waist to hip ratio	1
	Body fat percentage (%)	1
Blood Pressure	Blood pressure	1
	Blood glucose	1
	Cholesterol	1
Flexibility	Shoulder Reach test	1
Flexibility	Sit & Reach test	1
Cardiorespiratory fitness	Peak flow test	1
Cardiorespiratory fitness	3 min test	6
Muscular strength and endurance	Push-up test	2
	Sit-up test	1
	Hand grip strength test	1

Assessment Requirements:

Cardiovascular Risk Screening: A mandatory health questionnaire must be completed before the fitness assessment. Members must be classified as "Low risk" to proceed with the fitness assessment.
Scoring: Full points for each test are awarded if results fall within the "normal range" which can vary by several factors including age, gender, height, etc (please speak to your Biokineticist if you would like to understand the specific ranges that apply to you).
Passing Criteria: A minimum aggregate score of 14 out of 20 (70%) is required to pass the assessment and qualify for the fitness bonus points.

Endurance event qualifying criteria:

You must have completed (within the cut-off times) at least one of the events in the categories listed below in the last 6 months, to qualify for earning bonus points:

Road running at least 21km
Trail running at least 12km
Road cycling at least 94km
Mountain biking at least 55km
Swimming at least 1.6km
Duathlon or triathlon with a run of at least 10km

Please note that the above thresholds are intentionally designed to be equivalent in exertion and endurance demands. Accumulating multiple shorter distances, unfortunately, does not replicate the sustained physical demand of a single endurance effort, which is the core intent of endurance events.

Events will only be recognised by Old Mutual Rewards if the results can be verified on an official race website and the event had more than 30 participants. Old Mutual Rewards may recognise virtual events at its sole discretion.

Old Mutual Rewards may:

Ask you to submit proof of successful completion.
Not recognise any event (virtual or otherwise) if the results are not officially recorded and accessible by Old Mutual Rewards, or if Old Mutual Rewards is not satisfied with the official nature of any specified event.

Other Important Information relating to the Fitness Bonus Points:

You must be the policyholder and the life insured on a qualifying Old Mutual Protect product.
You must also submit the Old Mutual Rewards health questionnaire once every 12 months in order to qualify for earning fitness bonus points.
Bonus points are awarded monthly in arrears (in the subsequent month).
The Old Mutual Rewards Endurance Event form or fitness assessment results must be submitted before the end of the month that you want to start earning points.
Endurance Events
- The endurance event form can be submitted once per calendar month only. You can contact the Old Mutual Rewards Contact Centre to request corrections if the form was incorrectly completed.
- You do not need to complete the endurance event form every month, as the results remain valid for a period of 6 months after the date of the endurance event. However, the form must be completed again by the end of the month following the expiry of the 6 months with the details of any new endurance event that was subsequently completed, in order to continue receiving points.
  - Example: If you submit the endurance event form on 10 March and provide the details of an event that you completed on 5 January, you must submit the form again before the end of July to continue earning points.
- You will qualify to receive points for 6 months after the date of your event. However, you will only receive points from the month after the date that you completed your endurance event form. It is therefore important that you complete the form in the same month that you completed the event, to maximise the points that you can earn.
  - Example: If you complete an event on 10 January, you will be eligible to receive bonus points from February to July. However, if you wait until March to complete the form, you will only receive bonus points from April to July.
- Fitness Assessments
  - The fitness assessment results remain valid for a period of 12 months after the date of the fitness assessment. Thereafter you will need to complete another annual fitness assessment and meet the fitness criteria at that stage to continue earning fitness bonus points.

6.2.1.3.2 HEALTH BONUS POINTS

Old Mutual Rewards members with qualifying Old Mutual Protect products can earn bonus points based on the results of their initial underwriting health assessment (as part of the underwriting process when applying for Old Mutual Protect Insurance cover).

What you need to do:

Be the policyholder and life insured on a qualifying Old Mutual Personal Cover product where:
- the cover amount is greater than or equal to R3million;
- meet the underwriting health assessment criteria; and
- you are not in receipt of a healthy lives premium discount on your policy.
Complete an annual Old Mutual Rewards health questionnaire.
Complete an annual health assessment thereafter and meet the qualifying health criteria to continue to earn health bonus points every year.

Other Important Information relating to the Health Bonus Points

Your latest new business Old Mutual Protect underwriting assessment results after 13 August 2022 will be used to determine whether you qualify for the health bonus points.
You must do an annual health assessment and meet the qualifying health criteria at that stage to continue to qualify earning health bonus points. It must be submitted before the end of the month that your underwriting assessment or annual health assessment expires to continue earning health bonus points.
You must also submit the Old Mutual Rewards Health Questionnaire once every 12 months to continue to qualify for earning health bonus points. It must be submitted before the end of the month that you do an annual assessment to continue earning health bonus points.
The current health assessment criteria used to determine eligibility for the health bonus points, both at initial enrolment and on an annual basis, are set out below. If the results of the health assessment fall outside these criteria, you will not qualify for health bonus points:

Criteria	Results Required	Required for Initial Underwriting	Required for Annual Assessment
Underwriting Health and Lifestyle Questionnaire (HLQ)	No unfavourable disclosures noted on the HLQ	Y	N/A
Rewards Health Questionnaire	Completion	N	Y
Smoking (Cotinine test)	Negative	Y	N/A
Non-smoker declaration	Non-smoker	Y	Y
Body Mass Index (BMI)	19-27	Y	Y
Blood Pressure: Diastolic blood pressure (top reading)/Systolic blood pressure (bottom reading)	From 90/60 to 130/80 mmHg or lower (<=50 years old)	Y	Y
	From 90/60 to 135/85 mmHg or lower (>50 years old)	Y	Y
Cholesterol	From >=3 to <6 mmol/l (<=60 years old)	Y	Y
Cholesterol	From >=3 to <6.5 mmol/l (>60 years old)	Y	Y
Glucose (if required)	>=3.89 and <=7.80 mmol/L (random blood sugar) or less than 6% (for HbA1c test)	Y	Y
Medical loadings or exclusions	No medical loadings or exclusions	Y	N/A

6.2.1.2 LIMITS ON SIZE OF PREMIUMS

Points may be earned on premiums and investments up to a certain maximum amount as follows:

Any single premium and/or lump sum investments on Savings, Investment and Retirement Annuity business will be capped at R1 000 000 for points-earning purposes.
Any single premium on MAX Income annuities will be capped at R5 000 000 for points-earning purposes.
Any regular premiums, contributions and Personal Loan instalments will be capped at R20 000 for points-earning purposes.
Any Old Mutual Home Loans instalments will be capped at R100 000 for points-earning purposes.

6.2.2 POINTS EARNED ON OM BANK TRANSACTIONS

Product Type

Monthly Eligibility Criteria

Points Earned as % of Qualifying Spend

Personal Current (Debit Card)

Minimum value of R2 500 deposited into the account (can be cumulative)
At least one recurring payment must be made.
Have a minimum of five (5) qualifying transactions (swipes, taps, online purchases or virtual card payments).
a. ATM and EFT transactions are not included.
Account must be active and not in arrears.

2.5% of total qualifying monthly spend.

Example:

If you spend R10 000 in the month and meet all eligibility criteria:

Points earned = R10 000 x 2.5% = 250 points

If any of the eligibility criteria are not met, no points are awarded for that month.

Personal Credit Card

To earn 5% back in points:

Account must be active and in good standing:

a. Not in arrears and
b. minimum payment made by due date.

Booster Earn Criteria: to earn 10% back in points:

In addition to the above:

Minimum of five (5) qualifying card transactions.
a. ATM, EFT transactions and bank charges are not included.

5% of total qualifying monthly spend.

10% of total monthly spend, if all Booster criteria are met.

Examples:

If you spend R65 000 in the month, meets all criteria:

Spend is capped at R50 000.
Points earned in Rand = R50 000 x 10% = 5 000 points

If only the account is in good standing:

Points earned in Rand= R50 000 x 5% = 2 500 points

If the account is in arrears:

No points are awarded.

Limits on qualifying spend:

No minimum spend required.
Maximum spend eligible for earning: R50 000 per month, per account.
Points are calculated on spend up to this cap.
Points are rounded down to the nearest whole number.
The Booster earn of 10% back in points is the maximum earn rate on the credit card spend.

Note: Qualifying spend is measured from the first to the last calendar day of each month. If a merchant processes a transaction after the final day of the month, that transaction will be included in the following month's qualifying spend.

For example, if you make a purchase of R100 on the 31st, but it is only processed on the 2nd of the next month, the R100 will be counted in the new month's qualifying spend total.

The following transactions will qualify for points:

Swipes (Instore)
Taps (Instore)
Online Purchases
Virtual card payment transactions - refers to payments made using a virtual card and must include the above transaction types

The following transactions are excluded:

All ATM transactions
Cash at till withdrawals
Bank fees
Refunds
Airtime and Electricity purchases
Gambling and betting
Profit share or interest on savings

6.2.3 POINTS EARNED AS A PERCENTAGE (%) OF INVESTMENT VALUE

6.2.3.1 EARN RATES AND QUALIFYING PRODUCTS

These points are earned as a percentage (%) of a members investment value of their qualifying Old Mutual Products. The percentage is influenced by the following factors:

The number of product categories you have covered with Old Mutual (see section 6 under tiers for more information). and
The size of the monthly investment value.

The table below describes the ANNUAL POINTS EARNED AS A % OF INVESTMENT VALUE on on Old Mutual Wealth, Unit Trusts and Private Client Solutions:

	Tier 1	Tier 2	Tier 3	Tier 4	Tier 5
Number of product categories you have covered with Old Mutual	1	2 or 3	4	5	6 or more
Annual Points earned as a % of market value of investments. Points are calculated and awarded monthly.
Old Mutual funds and Private Client Securities	0.050%	0.150%	0.250%	0.350%	0.500%
Other funds	0.025%	0.075%	0.125%	0.175%	0.250%

Old Mutual funds refer to funds selected within an Old Mutual solution where the Investment Management Company of the fund is Old Mutual.

Other funds refer to funds selected within an Old Mutual solution where the Investment Management Company of the fund is not Old Mutual.

Example 1: In a particular month, a Tier 3 member with an investment value of R1 000 000 in an Old Mutual Wealth solution with R750 000 invested in Old Mutual funds and R250 000 invested in other funds will earn the following points:

Type of Investment Portfolio	Market Value	Rewards Annual Earn Rate	Rewards Monthly Earn Rate (i.e Annual Rate/12)	Rewards Points Earned (i.e Monthly Earn Rate * Investment Value)
Old Mutual funds	750,000	0.250%	0.0208%	156
Other funds	250,000	0.125%	0.0104%	26
Total	1,000,000			182

The following Old Mutual Wealth, Unit Trust and Private Client Securities will qualify for Investment Value points:

Product category	Qualifying Old Mutual products
Savings & investments	1. Old Mutual Wealth Investments: Life Wrapped and Linked Investments Fixed Bonds (excluding Old Mutual Wealth Fixed Investment Bond underwritten by Clientèle Life Assurance Company Limited and Nedgroup Life Assurance Company Limited) Tax Free Investments Private Client Securities (including My Wealth Trader) 2. Old Mutual Unit Trust Standard and Tax Free Investments
Retirement savings	1. Old Mutual Wealth Retirement Annuity and Preservation Investments 2. Old Mutual Retirement Annuity and Preservation Investments (previously referred to as Old Mutual Unit Trust Retirement Annuity and Preservation Funds)
Income	1. Old Mutual Wealth Linked Retirement Income 2. Old Mutual Retirement Income (previously referred to as Old Mutual Unit Trust Living Annuities)

Please note that Max Investments, Max Income, Old Mutual Group Schemes, Legacy, Investment Horizons, Investment Frontiers, Future Invest, Old Mutual SuperFund Umbrella Solutions and any other Old Mutual solutions not mentioned in the table above will not qualify for Investment Value points.

6.2.3.2 LIMITS ON SIZE OF PREMIUMS AND INVESTMENTS VALUE

Points may be earned on premiums and investments up to a certain maximum amount as follows:

Any single premium and/or lump sum investments on Savings, Investment and Retirement Annuity business will be capped at R1 000 000 for points-earning purposes. In addition, the single premium on MAX Income annuities will be capped at R5 000 000 for points-earning purposes.
Any Old Mutual Home Loans instalments will be capped at R100 000 for points-earning purposes.
Any regular premiums will be capped at R20 000 for points-earning purposes.
Any Old Mutual Wealth, Old Mutual Private Client Securities and Old Mutual Unit Trust investment value will be capped monthly at R15 000 000 for earning points on Investment Value.

6.3 OLD MUTUAL LONG-TERM AND SHORT-TERM INSURANCE POLICY AMENDMENTS

Amendment of your existing long-term and/or short-term insurance policies and/or incorporation of certain terms in future policies: Rewards earned through an allocation of a portion of your premiums by the relevant Old Mutual insurer towards Old Mutual Rewards.

By being a member of Old Mutual Rewards and taking part in the activities of the programme, you enable Old Mutual Life Assurance Company or Old Mutual Insure (referred to in this section as “Old Mutual”) to re-assess the costs and risks associated with any policy you have with Old Mutual. Any saving realised as a result of such re-assessment of the costs and risks associated with the policies pursuant to taking part in the activities of Old Mutual Rewards, is made available to you in the form of points as follows:

Old Mutual will, on an ongoing basis, re-assess the premiums that you paid in terms of qualifying Old Mutual policies* by taking into account certain cost and risk reduction factors brought about by your participation in the programme.
Old Mutual will then transfer the value of the portion of the premiums which relates to the cost saving or risk reduction, as determined in the sole discretion of Old Mutual, towards the programme which will entitle you to points that you can use as part of Old Mutual Rewards.
You will at no stage be entitled to a repayment of the value of the reallocated portion of the premium and will continue paying the same premium or premiums as agreed with Old Mutual when you took out the policy/ies (with increases where applicable).
In the case of savings and investment policies the reallocation will in no way affect or reduce the portion of the premium that is allocated to the investment value of your policy.
The reallocation of the value of the portion of the premium towards Old Mutual Rewards will be done in the sole discretion of Old Mutual and can be stopped by Old Mutual at any stage.
The value of the reallocated premiums, and thereby the amount of points that you can earn as a direct result of taking part of Old Mutual Rewards is set out in the Old Mutual Rewards points table (as updated from time to time).
By agreeing to this section, you agree that this constitutes an amendment to your policy or policies and that Old Mutual may reallocate the value of a portion of your premium towards Old Mutual Rewards.
Furthermore, this section will form part of the terms and conditions of policies taken out by you after joining Old Mutual Rewards, by way of incorporation (inclusion) therein.
The endorsement will apply to your policy or policies regardless of whether the policy/ies prescribes any specific way in which endorsements must be made.
The rest of the terms and conditions of Old Mutual Rewards will continue to apply to your membership.
If you stop being a member of Old Mutual Rewards, these terms and conditions will no longer apply to your policy or policies.

* Old Mutual policy or policies means any qualifying Old Mutual product, as determined by Old Mutual, that is a long-term insurance policy in terms of the Long-term Insurance Act 52 of 1998 or a short-term insurance policy in terms of the Short-term Insurance Act 53 of 1998.

Note: Premium re-allocation, as explained above, does not apply to any retirement funding policies e.g. retirement annuity or pension preservation policies.

6.4 A note on ownership

Only if you are the ‘owner’, as described below, will you be eligible to benefit from the additional product category and any potential points from premium, contributions or instalments on the said policy or contract.

For transactional products, only the main account holder will be considered the owner.
For lending (Old Mutual Finance Personal Loans), only the person responsible for making the loan instalments will be considered the owner.
For lending (Old Mutual Home Loans), only the primary applicant will be considered the owner.
Where an investment or risk policy is owned by more than one contracting party, only the contracting party that Old Mutual has identified (in its sole discretion) as the person to whom all correspondence are sent in respect of the policy, will become entitled to the points mentioned above.
For employer-based schemes (e.g. SuperFund) only the member of the scheme will be considered the owner (and any contributions made by the employer on behalf of the main member will also be taken into account in determining the points the member may qualify for).

6.5 EARN FROM OUR REWARDS PARTNERS

We may from time to time make arrangements with rewards partners to allow Old Mutual Rewards members to earn additional points, bonus points, instant rewards or discounts by taking part in certain activities at the partners. These will be on such terms as may be contemplated or specified on the Old Mutual Rewards website from time to time .

Partners may also have their own terms and conditions for each offer and these will include how bonus points are earned, when they expire and where they can be spent.

6.5.1 NetFlorist

How do you qualify for this benefit?

Your Old Mutual Rewards membership account needs to be active, not closed or suspended.

Visit the NetFlorist website.

Your purchase must be for a minimum of R300 (Excluding delivery and discounts)

Your purchase must be made with a credit card.

Select Old Mutual Rewards as your earn partner.

Capture your ID number or Passport number for verification.

You will get 20% of your qualifying spend in points..

Redeemable points to reflect in a month after your purchase.

6.6 MEMBER BENEFITS

Legal Assistance

How do you qualify for this benefit?

Old Mutual Rewards members who are on Tier 2 or higher when accessing the Legal Assistance benefit.

The benefit is applicable to Old Mutual Rewards members, your spouse/partner and dependent children.

Your Old Mutual Rewards membership account needs to be active, not closed or suspended.

How can this benefit be used?

You will have access to legal assistance helpline by calling 0860 337772. When you call in, an operator will verify your personal information: name, surname and ID number. Your questions will be directed to a qualified attorney who will provide you, the Old Mutual Rewards member, with legal advice and send you suggested legal documents, including but not limited to commercial, employment, leases, letters of demand, matrimonial and wills.

If necessary, you will be referred to an attorney for a free 30-minute face-to-face consultation, during which the attorney may draft a letter that is pertinent to your matter or make one phone call on your behalf. The attorney will inform you if the consultation will go overtime, which will be for your own account.

The Legal Assistance helpline is available 24 hours a day, 365 days a year.

The service can only be used within South Africa.

Travelstart Flight Discount

How do you qualify for this benefit?

All Old Mutual Rewards members qualify for this discount irrespective of the tier status you are on.

Your Old Mutual Rewards membership account needs to be active, not closed or suspended.

How can this benefit be used?

Old Mutual Rewards members can book their flights using the travel portal on the Old Mutual Rewards website. Bookings made directly through accessing the Travelstart main page will not qualify for this discount.

The discounts available are R80 per one-way booking on all domestic flights and R160 discount per return bookings on all domestic flight bookings. You can also receive R130 discount per one-way booking on all international flights and a R260 discount per return booking on all international flights.

Your flight discount will be taken into account in the booking price presented to you. Any queries regarding the use of this service must be directed to Travelstart and not to Old Mutual Rewards.

The Travelstart contact number is 021 468 4300 or email [email protected].

There is no limit on the number of times that you may make use of this benefit.

Old Mutual Rewards does not accept liability for any losses incurred as a result of flight tickets purchased through the Travelstart website.

Old Mutual Rewards Bus Bookings

How do you qualify for this benefit?

Old Mutual Rewards members can book their bus trip using the travel portal on the Old Mutual Rewards website.

Any queries regarding a bus booking service must be directed to the Travelstart team. The contact number is 021-468-4351 or via email at [email protected].

There is no limit on the number of times that you may make use of this benefit.

Old Mutual Rewards does not accept liability for any losses incurred as a result of bus tickets purchased through the Travelstart website.

Travelstart Vouchers

How do you qualify for this benefit?

Old Mutual Rewards members irrespective of their tier, who wish to purchase vouchers with the points they accumulated in their accounts.

Your Old Mutual Rewards membership account needs to be active, not closed or suspended.

How can this benefit be used?

Old Mutual Rewards members can use their points to purchase vouchers from Travelstart. Travelstart will provide the member with a voucher code which must then be entered on the payment screen when booking a flight.

Emergency Medical Services

How do you qualify for this benefit?

Old Mutual Rewards members who are on Tier 2 or higher when accessing Emergency Medical Services.

The benefit is applicable to Old Mutual Rewards members, your spouse/partner and dependent children.

Your Old Mutual Rewards membership account needs to be active, not closed or suspended.

How can this benefit be used?

In the event of you having a life-threatening medical emergency, you or someone on your behalf, can phone 0860 337772 for assistance 24 hours a day, 365 days a year.

When you call in, an operator will verify your personal information: name, surname and ID number.

A qualified medical operator will telephonically advise the affected person on how to manage the emergency medical condition.

If required, an emergency medical team will be sent to the scene who will perform advanced lifesaving resuscitation and will stabilise the affected person, and if necessary, you will be transported by road or air to the most appropriate and closest hospital that can effectively manage that particular condition.

If a member needs specialist diagnostic or clinical procedures that cannot be performed by an admitting hospital, such individual will be transferred by road or air to the receiving facility where such procedures or specialist care can be performed i.e. “one way medical upgrade”.

There is no charge for the initial emergency medical response, but any additional medical assistance is for your own account.

Only 1 family member can be transported with you in an ambulance.

You will be required to accept the Terms and Conditions applicable when you wish to access the benefit.

The service can only be used within South Africa.

Take Me Home

How do you qualify for this benefit?

Old Mutual Rewards Members who are on Tier 5 when accessing the Take Me Home benefit.

Your Old Mutual Rewards membership account needs to be active, not closed or suspended.

How can this benefit be used?

Take Me Home is a pre-arranged designated driver service that ensures that you always arrive home safely after a night out, with the added convenience of having your vehicle safely driven home for you by a reliable driver.

You, the Old Mutual Rewards member, need to book a trip in advance Take Me Home call centre on 0860 337772, taking note of the terms and conditions for the use of the service, which will be read to you telephonically by the IVR system for your approval before the services are rendered.

Take Me Home service is available from 5:30pm to 3am only. The booking service is available 24 hours a day, 365 days a year.

It is recommended that a booking is made at least 48 hours in advance for peak times (Thursday evening to Sunday morning, and Public holidays). For off-peak bookings, a minimum of 60 minutes is required.

You may use this service for up to three trips in a calendar year (1 January to 31 December).

You and up to two other passengers may be transported.

The service is free if within any of the main metropolitan areas and the total trip does not exceed 50 kms from the city centre: Johannesburg, Pretoria, Cape Town, Bloemfontein, Durban, East London, Port Elizabeth and George. For trips over 50 kms, you will be charged for the additional distance and must pay cash to the driver. The driver will stop at an ATM if you do not have cash on hand.

You call the Take Me Home call centre on 0860 337772 to arrange for the pick-up, and provide the pick-up point. The Take Me Home call centre agent facilitating the booking may ask you to provide an alternate contact number to ensure that the designated driver can make contact with you at the specified collection time. Designated drivers are equipped with a cellphone and have access to a GPS.

You will receive two SMSes to remind you of the designated driver service that you have booked. The first SMS will provide you with a reference number and confirmation of the booking. The second SMS will be sent on the day of the pick-up by latest 4pm, and provide you with the details of the driver.

At the specified time and location, the Take Me Home call centre will call you to notify you that the driver has arrived, after which you have 15 minutes to meet the designated driver. If the call is not answered, the call centre will send you an SMS to confirm that the driver has arrived. If there is no response after 15 minutes, the Take Me Home call centre will SMS you that the pick-up driver is leaving and the trip will be cancelled. You are responsible for cancellation charges.

If you arrange a pick-up at a large venue, such as a casino, you must ensure that the pick-up point is a clearly identifiable landmark and can easily be found.

Any bookings cancelled less than 60 minutes before the proposed collection time, will be billed at the full rate and deducted from the member’s total covered trips. During peak periods the same will apply but the cancellation time will be extended to 90 minutes.

TaxTim

How do you qualify for this benefit?

Old Mutual Rewards members qualify to use TaxTim* for free or at a discount based on their membership tier:

Tier 1 members qualify for a 30% discount.

Tier 2 members qualify for a 37.5% discount.

Tier 3 - 5 members qualify for a 100% discount. The service is free, but only once per year, on your main ITR12 tax return, thereafter you qualify for a 37.5% discount.

Your Old Mutual Rewards membership account needs to be active, not closed or suspended. The discount is limited to members who are registered SA tax payers. The discount cannot be extended to family or friends.

*Note: The TaxTim company tax return offering (ITR14) are excluded from this benefit.

How can this benefit be used?

Get started by registering at www.taxtim.com to create your TaxTim profile.

During setup of your tax return, select that you are a member of Old Mutual Rewards.

You will be prompted to enter your SA ID number to prove your Old Mutual Rewards membership.

TaxTim will help you select the correct package for your needs. Completing and submitting your tax return will be free (100% discount - for main individual tax return only) or discounted by 37.5% or 30%, depending on your tier.

Answer a few simple questions online. TaxTim will use your answers to complete your tax return instantly and professionally, while making sure that you are claiming for all the deductions applicable to you and that your return meets SARS compliance regulations.

Once completed, TaxTim reviews your submission to make sure it is correct, then sends it to SARS for you in just one click.

Virgin Active Gym Rebate

How do you qualify for this benefit?

Old Mutual Rewards Members who are on Tier3, Tier 4 or Tier 5 will qualify for the Virgin Active gym rebate.

Your Old Mutual Rewards membership account needs to be active and not closed or suspended.

The benefit is applicable to Old Mutual Rewards members only, and not your dependents.

You will be able to claim a rebate of your monthly gym membership fees paid during any 3 month period (3 consecutive months) based on achieving the following requirements:

Minimum attendance of 8-times per month during each of the 3 months in question; and
Earn at least 700 Rewards points per month for the 3 month cycle you wish to claim for.
Maintain a minimum Tier status over any 3-month cycle
- You need to maintain a minimum Tier 3 status over 3 months for a 50% rebate.
- You need to maintain a minimum Tier 5 status over 3 months for a 100% rebate

The rebate applies to monthly club membership fees only, up to a maximum monthly fee of R650 (the Club rate).

How can this benefit be used?

You must register for the benefit by contacting the Old Mutual Rewards gym benefit call centre on 0860 700 800 who will verify that you are a valid Old Mutual Rewards member.

You will be required to pay the R750 once off activation fee within 30-days from the date of registration.

Your gym benefit will become effective on the 1st of the month following your registration (i.e. if you register on the 15th of a month, your benefit will become effective on the 1st of the following month).

If you do not pay the activation fee within the 30 days following registration, your gym benefit will not be activated and you will need to start the registration process again.

Once your Virgin Active gym benefit is active, the three month rebate claim cycle starts.

You may claim up to a 100% rebate on your monthly gym membership fees for every three month cycle provided that you attend the gym at least eught times a month for the three consecutive months and you maintain the minimum required Tier status over the same three months.

To claim at the end of the three-month cycle, you need to contact the Old Mutual Rewards Gym Benefit call centre on 0860 700 800. You will need to provide:

a copy of your ID
proof of monthly Virgin Active subscription amount
access history pertaining to the three-month cycle (obtained by visiting the “my club section” on the website: www.myvirginactive.co.za
your banking details

You will receive your rebate within seven to 14 working days.

Benefit rules

The gym benefit may be removed at any time subject to reasonable notice given to members. We will continue to provide the benefit for a minimum of 12 months after you pay the activation fee.

If you register for the Virgin Active rebate benefit you cannot also claim a rebate from Old Mutual Rewards for Zone Fitness. You may not register or claim for the Old Mutual Rewards member gym rebate benefit if you already have a discounted or rebated Virgin Active membership rate with another rewards or loyalty programme.

You must earn a minimum of 700 Rewards points per month for the 3 month cycle you wish to claim for.

You will be able to claim a rebate for your monthly gym membership fees based on the minimum Tier status achieved over any 3-month cycle and if you meet the minimum attendance requirements of 8-times per month for every month during the 3-month cycle.

You need to maintain a minimum Tier 3 status over 3 months for up to 50% rebate

You need to maintain a minimum Tier 5 status over 3 months for up to 100% rebate

The rebate applies to monthly club membership fees only, up to a monthly fee of R650 (the Club rate). So the maximum rebate on Tier 3 or Tier 4 is R325 per month (50% of R650).

Should you be unable to train for an extended period of time, it is your responsibility to contact the Old Mutual Rewards gym benefit call centre on 0860 700 800 so that the utilisation requirement may be suspended provided you are able to motivate suspension with an acceptable explanation. This is also called a freeze period.

Payment of the rebate is subject to the customer being a current Virgin Active contract holder and that the Virgin Active membership is 100% paid-up, i.e. not in arrears.

Only one gym visit per day will count.

You may claim for the rebate every three months, but the claim must be submitted within 30 days after the three-month cycle.

Only monthly membership fees are rebated and not any join fees or card fees.

Zone Fitness Gym Rebate

How do you qualify for this benefit?

Old Mutual Rewards members who are on Tier 3, Tier 4 or Tier 5 may qualify the Zone Fitness gym rebate. All Old Mutual Rewards members, irrespective of their tier, who wish to join Zone Fitness for the first time, qualify for a special discounted Superclub membership rate on a 12-month contract at R299 per month.

Your Rewards membership account needs to be active, not closed or suspended.

The benefit is applicable to Old Mutual Rewards members only, and not your dependents.

You will be able to claim a rebate for your monthly gym membership fees based on achieving the following requirements:

Minimum attendance of 8-times per month for every month during the 3-month cycle.
Earn at least 700 Rewards points per month for the 3 month cycle you wish to claim for.
Maintain a minimum Tier status over any 3-month cycle:
- You need to maintain a minimum Tier 3 status over 3 months for up to 50% rebate
- You need to maintain a minimum Tier 5 status over 3 months for up to 100% rebate

The rebate applies to Superclub monthly membership fees only.

Members who wish to join Zone Fitness for the first time, qualify for a special discounted Superclub membership rate on a 12-month contract at R299 per month.

How can this benefit be used?

You must register for the benefit by contacting the Old Mutual Rewards gym benefit call centre on 0860 700 800 who will verify that you are a valid Old Mutual Rewards member.

You will be required to pay the R350 once-off activation fee within 30-days from the date of registration.

If you do not pay the activation fee within the 30-days following registration, your gym benefit will not be activated and you will need to start the registration process again.

Once your Zone Fitness gym benefit is active, the three month rebate claim cycle starts.

You may claim up to a 100% rebate on your monthly gym membership fees (actual Superclub monthly membership fees) if you attend the gym at least eight times a month for three consecutive months and you maintain the minimum Tier criteria over the three months.

To claim at the end of the three-month cycle, you must contact the Old Mutual Rewards Gym Benefit call centre on 0860 700 800. You will need to provide:

a copy of your ID
proof of monthly Zone Fitness subscription amount
access history pertaining to the three month cycle (obtained by e-mailing [email protected]
your banking details.

Only one gym visit per day will count.

You may claim for the rebate every three months, but the claim must be submitted within 30 days after the three month cycle.

You will receive your rebate within seven to 14 working days.

Benefit rules

The gym benefit may be removed at any time subject to reasonable notice given to members. We will continue to provide the benefit for a minimum of 12 months after you pay the activation fee.

If you register for the Zone Fitness rebate benefit you cannot also claim a rebate from Old Mutual Rewards for Virgin Active. You may not register or claim for the Old Mutual Rewards member gym rebate benefit if you already have a discounted or rebated Zone Fitness membership rate with another rewards or loyalty programme.

You must earn a minimum of 700 Rewards points per month for the 3 month cycle you wish to claim for.

You will be able to claim a rebate for your monthly gym membership fees based on the minimum Tier status achieved over any 3-month cycle and if they meet the minimum attendance requirements of 8-times per month for every month during the 3-month cycle.

You need to maintain a minimum Tier 3 status over 3 months for up to 50% rebate (capped at R325)

You need to maintain a minimum Tier 5 status over 3 months for up to 100% rebate (capped at R650)

Payment of attendance rebate is subject to the customer being a current Zone Fitness contract holder and that the Zone Fitness membership is 100% paid-up, i.e. not in arrears.

Only one gym visit per day will count.

You may claim for the rebate every three months, but the claim must be submitted within 30 days after the three-month cycle.

Only monthly membership fees are rebated and not any join fees or card fees.

General Member benefits disclaimers:

Old Mutual Rewards may remove any of the benefits above at any time.
Where the benefits are provided by an external party or service provider, Old Mutual Reward has no liability for any damage or loss suffered by the member.
All Old Mutual Rewards benefits are only applicable to Rewards members’ whose Rewards accounts are active; not suspended nor closed.

7. SPENDING YOUR POINTS

You will be able to spend your Old Mutual Rewards points in the following ways:

To contribute to certain Old Mutual products including your OM Bank account
To pay for purchases in a rewards partner store
To buy a voucher to use at a rewards partner
To enter certain competitions
To purchase airtime, data or SMS bundles
To donate your points to a charity

When you use any points as set out in these terms, they will be deducted from the points accumulated in your account.

7.1 INVEST YOUR POINTS

You may use your points to contribute towards certain Old Mutual products that you own and that are displayed on your Old Mutual Rewards account.

Your Old Mutual products will always be subject to the contractual terms and conditions and any legislation governing those products.

OM BANK

How much is an Old Mutual Rewards point worth?	10 points = R1
How can these points be used?	You may invest your points into your OM Bank Account The payment will reflect immediately.
Points redemption rules and exclusions	You need to own an OM Bank product in an active status. Minimum limit of 10 points. Maximum spend limits may apply.

7.2. BUYING VOUCHERS TO SPEND IN STORE

You may buy vouchers with your points to spend in store with our rewards partners.

When you buy a voucher, it will be your responsibility to check for any rewards partner-specific rules on the Old Mutual Rewards website.

Depending on the rewards partner’s terms and conditions, you may in some circumstances use your voucher to make either full or part payment for items you are buying at the partner.

Spending your voucher in store:

When you buy a voucher, you will receive the voucher with a code that can either be scanned or entered at point-of-sale, depending on the partner’s point of sale system.
If you use your voucher to make an in-store purchase, your voucher must be displayed to the cashier/teller at point-of-sale.
Vouchers may not be cancelled, refunded or exchanged for cash but may only be used as a means of payment at the partners.

7.3 REWARDS PARTNERS

Partners may have their own specific terms and conditions which could be different to our terms and conditions and are subject to change from time to time.

The specific partner’s terms and conditions will apply to any related purchase, product queries or refunds.

Old Mutual Rewards will not provide you with points or cash back for any for any product returns.

If we cancel our contract with any of our rewards partners, we will give you ninety (90) days’ notice via your preferred means of communication before termination of our contract with any partner. This means that, should this happen, the voucher validity of your existing voucher may be affected. You will be required to redeem your voucher within the specified time in the notice.

Because we have no control over a reward partner's business processes and practices, including the products or services they promote or sell, or the terms and conditions according to which they promote or sell their products or services, to the maximum extent permitted by law:

we cannot guarantee that their products or services will suit your needs or will be satisfactory in all respects;
neither we nor any other member of the Old Mutual Group can be held liable for any claims, loss or liability caused by any reward partner or arising from their products or services or terms and conditions; and
you hereby indemnify all of us and our respective agents, officers, subsidiaries, holding companies, affiliates, successors, assigns, directors, service providers, suppliers, employees or representatives against all such claims, loss and liability.

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, to the maximum extent permitted by law.

The sub-paragraphs above relating to our reward partners and their goods and services have important legal consequences for you. In these sub-paragraphs, you take on legal responsibility, liability and risk, our liability and risk is limited and any rights or claims you may have against us are also limited or excluded.

It is your responsibility to make sure that you read, understand and agree to all partner terms and conditions before redeeming your points with the relevant partner. We are not party to the terms and conditions you agree to with the partner and cannot therefore be held liable for any undertakings or obligations under any reward partner terms and conditions. We are similarly not responsible for their products and services and any liability which may be caused by them. You also indemnify all of us for any claims which may be made by third parties.

•   Ackermans
•   Babies r Us
•   Baby City
•   Boxer
•   Builders
•   Checkers
•   Cycle Lab
•   Dis-Chem Pharmacies
•   Edgars
•   Game
•   Hungry Lion
•   Kauai
•   Keedo
•   KFC
•   Krispy Kreme
•   Makro
•   Mangwanani Spa
•   Nando's
•   Netflorist
•   Nü
•   Nu Metro
•   Outdoor Warehouse
•   Panarotti’s
•   Petshop
•   Pick n Pay
•   Playstation
•   PRIMI
•   Pro shop
•   Shell
•   Shoprite
•   Sorbet
•   Sportsmans Warehouse
•   Spur
•   Steam
•   Steers
•   Ster Kinekor
•   Takealot
•   TFG
•   TotalEnergies (Bonjour Stores)
•   Toys r Us
•   Travelstart
•   Uber

Shoprite and Checkers

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your Virtual Gift Card at all Shoprite and Checkers stores.

When you buy a Virtual Gift Card, the Virtual Gift Card will be sent to you via your preferred means of communication (SMS or email).

Virtual Gift Cards are valid for 1 year from the date of purchase.

Points redemption rules

The Virtual Gift Card is not redeemable for cash.

It is only applicable to transactions made at Shoprite and Checkers stores for amounts up to and not exceeding the value of the Virtual Gift Card.

Present the SMS or Email with a 16-digit Virtual Gift Card code to the cashier before paying in-store. The cashier will transfer the funds onto a Physical Gift Card, which you can then use to pay for your purchases.

Should you not spend the entire value of the Physical Gift Card, the balance will remain active, and you only need to present the Physical Gift Card again when wanting to use the remaining balance.

If a Virtual Gift Card is not added to a Physical card before use, the total value will need to be used in one transaction; failure to use it in full will result in the remaining balance being forfeited.

No replacement Virtual or Physical Gift Cards can be issued for lost, stolen, or expired Virtual or Physical Gift Cards. This Virtual Gift Card is only valid for use in South Africa.

For any redemption issues or queries, please contact Shoprite Customer Care Line at 0800 01 07 09

KFC

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your WiCode at any participating KFC restaurants in South Africa, KFC App and website. Your WiCode will be valid for 14 days from date of purchase and will show an expiry date.

Your WiCode code will be sent to you via your preferred means of communication (SMS or email).

Points redemption rules

The WiCode can only be redeemed at any participating KFC restaurants in South Africa, KFC app or website.

The WiCode cannot be exchanged for cash, refunded, or transferred.

The WiCode is valid for one-time use only and must be redeemed within 14 days from the date of redemption.

A maximum of 5 WiCodes may be used in one transaction.

Any remaining WiCode balances will be forfeited.

No cash back will be given if the purchase value is less than the voucher amount, and any balance owing must be paid by cash or card.

Old Mutual Rewards reserves the right to cancel a WiCode should any fraudulent activity be suspected.

Ackermans

How much is an Old Mutual Rewards point worth?	10 points = R1
How can these points be used?	This wiCode may be used at any Ackermans store in South Africa. Present the wiCode to the teller when paying in-store. Should you not use the full wiCode value, a new wiCode with the remaining balance will automatically be sent to you via your preferred means of communication. You can use a maximum of 5 wiCodes per transaction. For any redemption issues or queries, please contact Customer Care at 021 448 9974 or [email protected].
Points redemption rules	This wiCode is not redeemable for cash. No replacement wiCode will be issued for lost, stolen, or expired wiCodes.   This wiCode will allow you to settle or pay part of your total.   The wiCode will be valid for 14 days from date of purchase and will show an expiry date.  The wiCode is valid in South Africa only.

Petshop Science

How much is an Old Mutual Rewards point worth?	10 points = R1
How can these points be used?	It is only applicable to transactions made at any Petshop Science stores in South Africa for amounts up to and not exceeding the value of the Virtual Gift Card. Present the SMS or Email with the 16-digit Virtual Gift Card Code to the cashier at any Shoprite, Checkers or Checkers Hyper. The cashier will transfer the funds onto a Physical Gift Card, which you can use to pay for your purchases at Petshop Science. Should you not spend the entire value of the Physical Gift Card, the balance will remain active, and you only need to present the Physical Gift Card again when you want to use the remaining balance. You will be able to use the balance at any Shoprite & Checkers as well. For any redemption queries, please contact the Petshop Science customer care line at 0800 01 07 09.
Points redemption rules	This Virtual Gift Card Code is only exchangeable for merchandise and may not be refunded or redeemed for cash. The Virtual Gift Card Code will need to be added to a Physical Gift Card at any Shoprite, Checkers or Checkers Hyper store before use at Petshop Science. The Virtual Gift Card can be used at any Petshop Science, Checkers and Shoprite stores. The Virtual Gift Card cannot be used at Computicket, Checkers Outdoor, OK brands, Money Market or Medirite Pharmacies. No replacement of the Virtual Gift Card can be issued for lost, stolen, or expired Virtual Gift Cards. The Virtual Gift Card Code is valid for a year from date of issue.

Hungry Lion

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCode at all Hungry Lion stores.

When you buy a wiCode, the wiCodecode will be sent to you via your preferred means of communication (SMS or email).

wiCodes are valid for 14 days from date of purchase and will show an expiry date.

Points redemption rules

This wiCode is not redeemable for cash. It is only applicable to transactions made at Hungry Lion stores for amounts up to and not exceeding the value of the wiCode. When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email). No replacement wiCodes can be issued for lost, stolen or expired wiCodes. wiCodes are valid for 14 days and will show an expiry date.

Steers

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your vouchers at all Steers stores.

When you buy a voucher, the voucher code will be sent to you via your preferred means of communication (SMS or email).

Vouchers are valid between two (2) to four (4) weeks and will show an expiry date.

Points redemption rules

The voucher is not redeemable for cash. It is only applicable to transactions made at Steers stores for amounts up to and exceeding the value of the voucher.

No replacement vouchers can be issued for lost, stolen or expired vouchers.

PRIMI

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your vouchers at all Primi Piatti stores.

When you buy a voucher, the voucher code will be sent to you via your preferred means of communication (SMS or email).

Vouchers are valid between two (2) to four (4) weeks and will show an expiry date.

Points redemption rules

Voucher redeemable at all PRIMI stores nationally. wiCode voucher is not redeemable for cash. PRIMI World (Pty) Ltd and affiliated stores reserves the right of admission. PRIMI World (Pty) Ltd, affiliated stores and/or Old Mutual reserves the right to withdraw this offer. PRIMI World (Pty) Ltd , affiliate stores, the directors, employees and any other person/entity involved in this voucher campaign shall not be held responsible and disclaim all liability and/or responsibility whatsoever, of any nature whatsoever, resulting from the use of this voucher.

Kauai

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCodes at selected Kauai stores.

When you buy a wiCode, the wiCode code will be sent to you via your preferred means of communication (SMS or email).

wiCodes are valid for 14 days from date of purchase and will show an expiry date.

Points redemption rules

The wiCode is not redeemable for cash. It is only applicable to transactions made at any Kauai store for amounts up to and exceeding the value of the wiCode.

No replacement wiCodes can be issued for lost, stolen or expired wiCodes.

Nü

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCodes at selected Nü stores.

When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email).

wiCodes are valid for 14 days from date of purchase and will show an expiry date.

Points redemption rules

The wiCode is not redeemable for cash. It is only applicable to transactions made at Nü stores for amounts up to and exceeding the value of the wiCode.

No replacement wiCodes can be issued for lost, stolen or expired wiCodes.

Nando's

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your gift card at all Nandos stores.

When you buy a gift card, the gift card will be sent to you via your preferred means of communication (SMS or email).

Gift cards are valid for one (1) month from date of purchase and will show an expiry date.

You can only use 1 gift virtual card per transaction on the Nando’s App and Website.

Points redemption rules

The virtual gift card is not redeemable for cash. It is only applicable to transactions made at Nandos stores, App and website for amounts up to and exceeding the value of the virtual gift card.

No replacement virtual gift card can be issued for lost, stolen or expired virtual gift cards.

Your virtual gift card must be used in full and there will be no change or virtual gift card given for the remaining balance on a virtual gift card.

Krispy Kreme

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCode at all Krispy Kreme stores.

When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email).

wiCodes are valid fir 14 days from the date of purchase and will show an expiry date.

Points redemption rules

The wiCode is not redeemable for cash. It is only applicable to transactions made at Krispy Kreme stores for amounts up to and exceeding the value of the wiCode.

No replacement wiCodes can be issued for lost, stolen or expired wiCodes.

Wimpy

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your vouchers at all Wimpy Restaurants.

When you buy a voucher, the voucher code will be sent to you via your preferred means of communication (SMS or email).

Vouchers are valid between two (2) to four (4) weeks and will show an expiry date.

Points redemption rules

Voucher redeemable at all Wimpy Restaurants nationally. wiCode voucher is not redeemable for cash. Wimpy and affiliated restaurants reserves the right of admission. Wimpy Restaurants, affiliated stores and/or Old Mutual reserves the right to withdraw this offer. Wimpy Restaurants, affiliate stores, the directors, employees and any other person/entity involved in this voucher campaign shall not be held responsible and disclaim all liability and/or responsibility whatsoever, of any nature whatsoever, resulting from the use of this voucher.

Dis-Chem Pharmacies

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCodes at all Dis-Chem Pharmacies stores.

When you buy a wiCode, the wiCode code will be sent to you via your preferred means of communication (SMS or email).

wiCodes are valid for 14 days from the date of expiry and will show an expiry date.

Points redemption rules

The wiCode is not redeemable for cash. It is only applicable to transactions made at Dis-Chem Pharmacies for amounts up to and exceeding the value of the voucher.

No replacement wiCodes can be issued for lost, stolen or expired wiCodes.

Sportsmans Warehouse

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your vouchers at all Sportsmans Warehouse stores.

This voucher cannot be used for purchases made online.

When you buy a voucher, the voucher code will be sent to you via your preferred means of communication (SMS or email).

Vouchers are valid between two (2) to four (4) weeks and will show an expiry date.

Points redemption rules

The voucher is not redeemable for cash. It is only applicable to transactions made at Sportsmans Warehouse stores for amounts up to and exceeding the value of the voucher.

No replacement vouchers can be issued for lost, stolen or expired vouchers.

Outdoor Warehouse

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCode at all Outdoor Warehouse stores.

When you buy a wiCode, the wiCode code will be sent to you via your preferred means of communication (SMS or email).

Vouchers are 14 days from the date of purchase and will show an expiry date.

Points redemption rules

The wiCode is not redeemable for cash. It is only applicable to transactions made at Outdoor Warehouse stores for amounts up to and exceeding the value of the wiCode.

No replacement wiCodes can be issued for lost, stolen or expired wiCodes.

TotalEnergies (Bonjour Stores)

How much is an Old Mutual Rewards point worth?	10 points = R1
How can these points be used?	You may use your WiCode at any participating Total Energies Bonjour stores. The WiCode is valid for 14 days from the date of purchase.
Points redemption rules	The Wicode is not redeemable for cash. It is only applicable to transactions made at Total Energies Bonjour stores for amounts up to and not exceeding the value of the WiCode. Up to 4 WiCodes can be used in one transaction. The total WiCode value will need to be used in one transaction; failure to use it in full will result in the remaining balance being forfeited. No replacement WiCodes will be issued for lost, stolen, or expired WiCodes. The WiCode will only be valid for use in South Africa.

Uber and Uber Eats

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

To redeem this gift card, go to the Payment section in the Uber app. Tap Add Payment Method and select Gift Card and then Enter Voucher Code.

Voucher values may vary between R100 and R300.

Points redemption rules

By redeeming this voucher code, you accept the following terms and conditions: This voucher code may only be redeemed via the Uber or Uber Eats app. The value associated with this voucher code expires three years after the date of first activation and the expired voucher code may not be re-activated. Value from this voucher code cannot be used: with Family profiles; to purchase other voucher codes or gift cards, outside South Africa, or in cities where Uber or Uber Eats is not available. Misuse of this voucher code may constitute fraud. In certain cases, we may limit or decline to honour the voucher code value if you are unable to present satisfactory proof of your identity upon our request. This voucher code cannot be redeemed for cash, refunded, or returned, except as required by law. You may be required to add a secondary payment method to use the voucher code value with Uber or Uber Eats apps. Issuer is not responsible for lost or stolen voucher codes, or unauthorized use. This voucher code is issued by Uber B.V. For balance, full terms and conditions, and customer service, visit uber.com/legal/gift.

Steam

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

Make sure you have an active Steam account. When using your points, you will receive a voucher code via email or SMS with your Steam Wallet code. If you already have Steam, go to "Redeem Steam Wallet Code" in the Games menu.

Otherwise go to www.steampowered.com/wallet. Enter the Wallet Code provided in your Rewards email or SMS and follow the on-screen instructions. The funds will be added to your account and be ready for use. Have fun!

Points redemption rules

To use Steam Wallet funds, you must register for a Steam account and accept the terms of the Steam Subscriber Agreement. Some games may be age-restricted. Please check age restrictions before spending Steam Wallet funds. Availability and pricing of games applies at the time of download. Steam Wallet funds are not redeemable for cash or credit and are not for resale. Wallet funds are your responsibility to maintain. Internet access is required to use the funds. For minimum system requirements to use Steam and/or use applications available on Steam, see www.steampowered.com. ©Valve Corporation. Steam and the Steam logo are trademarks and/or registered trademarks of Valve Corporation in the U.S. and/or other countries. All rights reserved.

Sony Playstation Plus Membership

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

Sign into your SEN Account. If you don’t have one, create one at playstation.com

Go to PlayStation®Store on your console or via our website.
Select the “Redeem Codes” option (for PS Vita, first tap the Options icon at the foot of the screen).
Enter the 12 digit voucher code and then select “Continue”.
Follow the on-screen instructions to redeem your voucher code.
NOTE: Voucher code issued by Sony Interactive Entertainment Network Europe Limited (with company number 03277793) of 10 Great Marlborough Street, London, W1F 7LP, United Kingdom. Full terms apply at www.playstation.com/legal/PSNTerms

Points redemption rules

Voucher Code Issuer: Sony Interactive Entertainment Network Europe Ltd (company no: 03277793), 10 Great Marlborough St, London, W1F 7LP, UK. Redeemable only against issuer by users holding a Sony Entertainment Network (SEN) account registered to South Africa. Terms of Service, Privacy Policy, Voucher Code Terms, Software Usage Terms and additional content/service specific terms, apply. See www.playstation.com/legal/PSNTerms. If you do not accept the terms, do not purchase. Users must be aged 7+. Users under 18 need parental consent to create an account and bill payer consent to redeem this voucher. PlayStation®Plus content/services vary according to age of redeeming user. Online features of specific games may be withdrawn on reasonable notice. Games included in the subscription are subject to change. Service availability not guaranteed. WARNING: THIS IS AN ONGOING SUBSCRIPTION. Duration: until cancelled; Billing Frequency: every month, 3 months or year (as shown over). Billing Amount: PS Store price on date payment is due. Payment will be deducted from your PSN wallet. First payment will be taken at end of initial period, measured from redemption (Note: it may be more than you paid for this voucher code). Subsequent price changes will be notified by email. If insufficient wallet funds, required balance will be charged to payment method registered to your SEN account (if any). You can cancel subscription at any time to expire at the end of the then current billing period. You will not receive a refund for payments made. Internet connection required. Voucher code not redeemable for cash; cannot be resold or otherwise exchanged; will not be replaced if lost, stolen, or otherwise used without your permission; valid for one time use only.

Sony Playstation Store Wallet Top-Up

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

Sign into your SEN Account. If you don’t have one, create one at playstation.com

Go to PlayStation®Store on your console or via our website.
Select the “Redeem Codes” option (for PS Vita, fi rst tap the Options icon at the foot of the screen).
Enter the 12 digit voucher code and then select “Continue”.
Follow the on-screen instructions to redeem your voucher code.
NOTE: Voucher code issued by Sony Interactive Entertainment Network Europe Limited (with company number 03277793) of 10 Great Marlborough Street, London, W1F 7LP, United Kingdom. Full terms apply at www.playstation.com/legal/PSNTerms

Points redemption rules

TFG: Fabiani, Jet, Markham, Sportscene, The Fix, G-Star, Sportcene, @home, Jet Home, American Swiss and Sterns TFG

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

This Virtual Gift Card can be redeemed in-store at any of the following TFG stores (if available in your country): Exact, Fabiani, Foschini, Jet, Markham, Relay, RFO, Sneaker_Factory, Sportscene, The Fix, G-Star, Archive, TFG, Totalsports, @home, @homelivingspace, Granny Goose, Jet Home, hi, American Swiss, Galaxy and Sterns.

Virtual Gift Cards can only be redeemed in South Africa.

Virtual Gift Cards cannot be used to reduce an outstanding balance on a TFG or RCS account.

Virtual Gift Cards cannot be used to purchase mobile airtime or data.

Change for any value remaining on a Virtual Gift Card after redeeming it will be credited to a Virtual Gift Card and will not be given to you in cash.

Virtual Gift Cards can be redeemed in conjunction with a voucher when making a purchase in-store.

Virtual Gift Cards can be used in full or for part payment of goods which you purchase in-store.

To check your Virtual Gift Card balance, call 0860 834 834.

Points redemption rules

Virtual Gift Cards cannot be exchanged for cash.

Virtual Gift Cards are treated as cash and therefore any lost or stolen Virtual Gift Cards will not be replaced. If your Virtual Gift Card is lost or stolen, you must report this at your closest TFG store or call Customer Services at 0860 834 834.

The Virtual Gift Card will be blocked immediately and will only be replaced if the value on the Virtual Gift Card has not yet been redeemed.

All refunds of goods purchased with a Virtual Gift Card will be made in accordance with TFG's refund policy. Any refunded amount will be credited to a Virtual Gift Card and will not be given to you in cash.

Your Virtual Gift Card will be valid up to one (1) year from date of purchase.

Bash

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

This Virtual Gift Card can be redeemed in-store at Bash at any of the following TFG stores (if available in your country): Exact, Fabiani, Foschini, Jet, Markham, Relay, RFO, Sneaker_Factory, Sportscene, The Fix, G-Star, Archive, TFG, Totalsports, @home, @homelivingspace, Granny Goose, Jet Home, hi, American Swiss, Galaxy and Sterns. Virtual Gift Cards can only be redeemed in South Africa.

Virtual Gift Cards cannot be used to reduce an outstanding balance on a TFG or RCS account.

Virtual Gift Cards cannot be used to purchase mobile airtime or data.

Change for any value remaining on an Virtual Gift Cards after redeeming it will be credited toan eGift Cards and will not be given to you in cash.

Virtual Gift Cards can be redeemed in conjunction with a voucher when making a purchase in-store.

Virtual Gift Cards can be used in full or for part payment of goods which you purchase in-store.

To check your Virtual Gift Card balance, call 0860 834 834.

Points redemption rules

Virtual Gift Cards cannot be exchanged for cash.

The Virtual Gift Card will be blocked immediately and will only be replaced if the value on the Virtual Gift Card has not yet been redeemed.

All refunds of goods purchased with a Virtual Gift Card will be made in accordance with TFG's refund policy. Any refunded amount will be credited to an eGift Card and will not be given to you in cash.

Your Virtual Gift Card will be valid up to one (1) year from date of purchase.

Mangwanani

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your Mangwanani Virtual Gift Card to make partial or full payment for a treatment or purchase any of the Mangwanani products.

To redeem this Virtual Gift Card online, go to www.mangwanani.co.za, create an account or sign into an existing account. On the home page, click on ‘vouchers’, enter the required details then select “amount’ or ‘service’ to choose a treatment and click on ‘Add’. The checkout page will appear and type the voucher code on the “apply coupon” section and continue with checkout process.

To redeem this Virtual Gift Card at any of the Mangwanani spa branch, you can call the relevant branch to make a booking and inform the consultant on call that you will be redeeming a Virtual Gift Card as part or full payment for your treatment. You can share the Virtual Gift Card on call when making the booking or present it to the receptionist on the day of your treatment.

For any assistance with your booking or Virtual Gift Card, call the central booking line on 087 809 0055, email [email protected] or send a WhatsApp text to 076 888 2463.

For Virtual Gift Cards that are not redeemed in full, the remaining balance will be loaded on to a Virtual Gift Card and shared with the member on email.

Points redemption rules

Virtual Gift Cards cannot be exchanged for cash.

This Virtual Gift Card may not be redeemed for cash and no refunds will be given.

The bearer of this Virtual Gift Card cannot redeem the Virtual Gift Card in conjunction with any other Mangwanani special offers and neither can the Virtual Gift Card be used to purchase special offers.

This Virtual Gift Card is valid for a year, and it is not applicable to any existing bookings.

Any cancellation of a booking or 'no-show' will result in a 100% Forfeit of the full booking.

Rescheduling 5 days before your booking will carry a 10% administration fee and rescheduling 3 days before your booking will carry a 25% administration fee. The administration fee is payable when rescheduling the booking. Rescheduling within 3 days of your booking will result in a 100% forfeit of the full value of the booking.

To view Ts&Cs visit https://mangwananiafricanspa.chidesk.com/Members/Terms

Takealot

How much is an Old Mutual Rewards point worth?

10 points = R1

How can you use a redeemed Virtual Gift Card?

Member can redeem this Virtual Gift Card online on the Takealot website www.takealot.com and/or the Takealot app.

To redeem the Virtual Gift Card, member will need to enter their Virtual Gift Card code on the checkout page under “Add gift voucher or coupon code” and complete the checkout process. Once member has successfully entered the Virtual Gift Card code the amount will be loaded as a credit on their Takealot account. Credit will automatically be used when a member checks out on the Takealot website.

When a member is shopping on the Mobile App, they need to select credit as their payment method. Should a member’s Virtual Gift Card value be less than the amount required to cover the full order they wish to place, member will be required to pay for the outstanding balance using one of Takealot’s payment methods.

Virtual Gift Card redemption rules

This Virtual Gift Card is not redeemable for Cash.
No lost or stolen Virtual Gift Cards will be replaced or refunded. The Virtual Gift Card is valid for a year from the date of purchase.
Virtual Gift Cards cannot be used to buy any Takealot Gift Vouchers. Old Mutual Rewards reserves the right to cancel a Virtual Gift Card should any fraudulent activity be suspected.

Pick n Pay

How much is an Old Mutual Rewards point worth?

10 points = R1

How can you use a redeemed Virtual Gift Card?

Member needs to present the Old Mutual Rewards confirmation Email or SMS with the 16-digit code to the Pick n Pay cashier before paying in-store. The Virtual Gift Card is a multiple use Gift card, and should the member not spend the full Virtual Gift Card amount, the balance will remain on their Virtual Gift Card for future use until all the funds have been spent.

Member will need to present the same Virtual Gift Card code to the cashier to use the remaining funds on their Virtual Gift Card.

Virtual Gift Card redemption rules

The Pick n Pay Virtual Gift Card is not redeemable online nor on the Pick n Pay asap! app. The Virtual Gift Card may not be redeemed for cash. No refunds & credit balance will be given as change. The Virtual Gift Card is valid for a year from the date of purchase and may only be redeemed at any Pick n Pay stores in South Africa. No replacement Virtual Gift Cards will be issued for lost, stolen, or expired Virtual Gift Cards. Old Mutual Rewards reserves the right to cancel the Virtual Gift Card should any fraudulent activity be suspected. For any redemption issues and support, member will need to contact [email protected].

Spur Steak Ranches

How can these points be used?

You may use your Spur Steak Ranches wiCode to settle or pay part of your bill at participating Spur Steak Ranches.

When you buy a Spur Steak Ranches wiCode, it will be sent to you via your preferred means of communication (SMS or email).

The Spur Steak Ranches wiCode is valid for 14 days from date of redemption and will show an expiry date.

Points redemption rules

The Spur Steak Ranches wiCode is not redeemable for cash.

It is only applicable to transactions made at Spur Steak Ranches for amounts up to and exceeding the value of the voucher.

No replacement Spur Steak Ranches wiCode can be issued for lost, stolen or expired wiCodes.

The Spur Steak Ranches wiCodes are valid in South Africa only.

Panarottis

How much is an Old Mutual Rewards point worth?	10 points = R1
How can these points be used?	You may use your wiCode at participating Panarottis restaurants in South Africa.
Redemption rules	Present the SMS or Email with a 9-digit wiCode to the waiter before paying the bill. The waiter will deduct the total amount from your bill. You can use a maximum of 5 wiCodes per transaction at Panarottis. The wiCode cannot be used to tip the waiters. For any redemption issues or queries, please contact Panarottis Customer Care on 086 000 7262 or [email protected]
Terms and Conditions	This wiCode is not redeemable for cash. No replacement wiCodes will be issued for lost, stolen, or expired wiCodes. This wiCode will allow you to settle or pay part of your bill. The wiCode will be valid for 14 days and will show an expiry date. The wiCode is valid in South Africa only.

Nu Metro

How can these points be used?

You may use your Nu Metro 2D Digital code to purchase your movie ticket at all cinemas countrywide.

When you buy a movie Digital code, it will be sent to you via your preferred means of communication (SMS or email).

The Nu Metro Digital codes are valid for 1 month from date of redemption and will show an expiry date.

Points redemption rules

The Nu Metro Digital codes are not redeemable for cash.

It is only applicable to transactions made at Nu Metro 2D movie ticket for amounts up to and exceeding the value of the voucher.

No replacement movie Digital code can be issued for lost, stolen or expired vouchers.

The Nu Metro Digital codes are valid in South Africa only.

Promotion ends 12 April 2024.

Ster-Kinekor

How can these points be used?

You may use your Ster-Kinekor 2D or 3D to purchase your movie ticket at all cinemas countrywide.

When you buy a movie Digital code, it will be sent to you via your preferred means of communication (SMS or email).

The Ster-Kinekor Digital codes are valid for 1 month from date of redemption and will show an expiry date.

Points redemption rules

The Ster-Kinekor Digital codes are not redeemable for cash.

It is only applicable to transactions made at Ster-Kinekor for a 2D or 3D movie ticket for amounts up to and exceeding the value of the voucher.

No replacement movie Digital codes can be issued for lost, stolen or expired vouchers.

The Ster-Kinekor Digital codes are valid in South Africa only.

Promotion ends 12 April 2024.

Sorbet Group

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

Participating stores: Sorbet Salons, Sorbet Dry Bar, Sorbet Man and Candi&Co.

Virtual Gift Card values will vary between R100 and R500.

Points redemption rules

Virtual Gift Cards can only be used for treatments at the participating stores of Sorbet. No cash back will be given as change. The Virtual Gift Card number is valid for 30 days from date of purchase. If the Virtual Gift Card value is not used in full, the balance will remain on the Virtual Gift Card.

Baby City

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCode at all Baby City stores.

When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email).

wiCodes are valid for 14 days from date of purchase and will show an expiry date.

Points redemption rules

The wiCode is not redeemable for cash. It is only applicable to transactions made at Baby City stores for amounts up to and not exceeding the value of the wiCode. When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email). No replacement wiCodes can be issued for lost, stolen or expired wiCodes . wiCodes are valid for 14 days and will show an expiry date.

Makro

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your Virtual Gift Card at all Makro stores.

Makro Virtual Gift Cards are valid for 1 year from the date of purchase.

When you buy a Virtual Gift Card, the code will be sent to you via your preferred means of communication (SMS or email).

Points redemption rules

This Virtual Gift Card is only exchangeable for merchandise and may not be refunded or redeemed for cash or credit notes.

It is only applicable to transactions made at Makro stores for amounts up to and not exceeding the value of the Virtual Gift Card.

Virtual Gift Cards can be redeemed in-store only.

Virtual Gift Cards must be presented in conjunction with a Makro card.

Present the SMS or Email with the 16-digit Virtual Gift Card Code to the cashier when paying in-store.

Should you not utilise the full value of your Virtual Gift Card on your first purchase, the cashier will transfer the remaining funds onto a Physical Gift Card, which you can then use for future purchases.

No replacement Gift Card can be issued for lost, stolen, or expired Gift Cards.

This Virtual Gift Card is issued by Makro, for full terms and conditions, and customer service visit: https://www.makro.co.za/customer-service/terms-of-use. For a balance enquiry, call 0861 101 210. For redemption issues, contact Makro support on 0860 600 999 or email [email protected]

NetFlorist

How much is an Old Mutual Rewards point worth?

10 points = R1

How can I use my points to buy a NetFlorist voucher?

You can use your points to buy a NetFlorist wiCode via the Old Mutual Rewards website or the Old Mutual App.

When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email).

Vouchers are valid for 14 days from date of purchase and will show an expiry date.

Points redemption rules

The wiCode is not redeemable for cash. It is only applicable to transactions made at NetFlorist for amounts up to and exceeding the value of the wiCode.

No replacement wiCode can be issued for lost, stolen or expired wiCodes.

Game

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

This Virtual Gift Card can only be redeemed in-store at any Game stores nationwide.

Virtual Gift Cards can only be redeemed in South Africa.

Virtual Gift Cards can be used in full or for part payment of goods that you buy in-store.

The Virtual Gift Card is valid for a period of 1 year from the date of purchase.

Points redemption rules

Virtual Gift Cards cannot be exchanged for cash.

Virtual Gift Cards are treated as cash and therefore any lost or stolen Virtual Gift Card will not be replaced.

All refunds of goods purchased with a Virtual Gift Card will be made in accordance with Game refund policy.

The Virtual Gift Card cannot be used as payment for a Game account, nor can it be exchanged for cash.

Should you not spend the entire Virtual Gift Card amount, the balance of the Virtual Gift Card will remain active, and you only need to present the code again when you want to spend the balance of the Virtual Gift Card.

Virtual Gift Cards can’t be redeemed in conjunction with another voucher when making a purchase in-store.

There is no Physical Gift Card issued. For redemption issues or to check your Virtual Gift Card balance, please contact Game support at 0861 426 322.

Builders Warehouse

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

This Virtual Gift Card can be redeemed online or in-store at any Builders Warehouse stores nationwide.

Virtual Gift Cards can only be redeemed in South Africa.

Virtual Gift Cards can be used in full or for part payment of goods which you buy in-store or online.

Virtual Gift Cards are valid for a period of 1 year from the date of purchase.

Points redemption rules

Virtual Gift Cards cannot be exchanged for cash.

Virtual Gift Cards are treated as cash and therefore any lost or stolen Virtual Gift Cards will not be replaced.

All refunds of goods purchased with a Virtual Gift Card will be made in accordance with Builders Warehouse refund policy.

The Virtual Gift Card cannot be used as payment for a Builders Warehouse account, nor can it be exchanged for cash. Should you not spend the entire Virtual Gift Card amount, the balance of the Virtual Gift Card will remain active, and you only need to present the code again when you want to spend the balance of the Virtual Gift Card.

Virtual Gift Cards can’t be redeemed in conjunction with another voucher when making a purchase online or in-store.

There is no Physical Gift Card issued. For redemption issues or to check your Virtual Gift Card balance, please contact Builders Warehouse support on 0860 284 533

Toys R Us

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your wiCode at all Toys R Us stores and online.

When you buy a wiCode, the wiCode code will be sent to you via your preferred means of communication (SMS or email).

wiCodes are valid two (2) weekfor 14 days from date of purchase and will show an expiry date

Points redemption rules

This wiCode is not redeemable for cash.

It is only applicable to transactions made at Toys R Us stores and online for amounts up to and not exceeding the value of the wiCode.

When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email).

No replacement vouchers can be issued for lost, stolen or expired vouchers.

wiCodes are valid for 14 days from date of purchase and will show an expiry date.

Babies R Us

How much is an Old Mutual Rewards point worth	10 points = R1
How can these points be used?	You may use your wiCode at all Babies R Us stores and online. When you buy a wiCode, the wiCode code will be sent to you via your preferred means of communication (SMS or email). wiCode are valid for 14 days from date of purchase and will show an expiry date.
Points redemption rules	This wiCode is not redeemable for cash. It is only applicable to transactions made at Babies R Us stores and online for amounts up to and not exceeding the value of the wiCode. When you buy a wiCode, the wiCode will be sent to you via your preferred means of communication (SMS or email). No replacement wiCodes can be issued for lost, stolen or expired wiCodes. wiCodes are valid for 14 days and will show an expiry date.
Terms and Conditions	This WiCode is not redeemable for cash. It is only applicable to transactions made at any Babies R Us stores for amounts up to and not exceeding the value of the WiCode. This WiCode may also be used online on the Babies R Us website. No replacement WiCodes can be issued for lost, stolen or expired WiCodes. The WiCode will be valid for 2 weeks from the date of purchasing the WiCode. WiCode is valid in South Africa only.
Redemption Instruction	Present the WiCode to the teller when paying in-store. When shopping online, insert the code in then discount code field on the Babies R Us website. If you do not spend the full value, a new WiCode with your remaining balance will be placed in your wallet.

Edgars

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

This Virtual Gift Card can be redeemed in store at any of the following stores: Edgars. Edgars Beauty and Keedo stores.

Virtual Gift Card can only be redeemed in South Africa.

Virtual Gift Cards cannot be used to reduce an outstanding balance on an Edgars account.

Virtual Gift Cards cannot be used to purchase mobile airtime or data.

Should you not spend the entire Virtual Gift Card amount, The balance of the Virtual Gift Card will remain active and you only need to present the code again when wanting to spend the balance of the Virtual Gift Card.

Virtual Gift Card can be redeemed in conjunction with a voucher when making a purchase in-store.

Virtual Gift Card can be used in full or for part payment of goods which you buy in-store.

To check your Voucher balance, call 031 010 0005.

Points redemption rules

Virtual Gift Card cannot be exchanged for cash.

Virtual Gift Card are treated as cash and therefore any lost or stolen Virtual Gift Card will not be replaced.

All refunds of goods purchased with a Virtual Gift Card will be made in accordance with Edgar’s refund policy.

Pro Shop

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your vouchers at participating Pro Shop stores only.

When you buy a voucher, the voucher code will be sent to you via your preferred means of communication (SMS or email).

Points redemption rules

This voucher is not redeemable for cash. It is only applicable to transactions made at participating Pro Shop stores for amounts up to and not exceeding the value of the voucher.

When you buy a voucher, the voucher code will be sent to you via your preferred means of communication (SMS or email). No replacement vouchers can be issued for lost, stolen or expired vouchers.

Only one voucher per transaction and per customer can be used at a time.

No change will be given if the full amount of the voucher is not redeemed.

Vouchers may only be redeemed once and cannot be transferred to another person.

Vouchers are only valid for use in South Africa.

Vouchers are valid for 3 years and will have the expiry date on them.

Cycle Lab

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your vouchers at participating Cycle Lab stores in Fourways, Pretoria and Boksburg only. Vouchers must be produced in-store to qualify.

Only one voucher code per transaction may be used.

Vouchers are not exchangeable for cash.

No change will be given if the full amount of the voucher is not redeemed.

A voucher can only be redeemed once and cannot be transferred to another person.

Points redemption rules

This voucher is not redeemable for cash. It is only applicable to transactions made at participating Cycle Lab stores and only for amounts up to and not exceeding the value of the voucher.

When you buy a voucher, the voucher code will be sent to you via your preferred means of communication (SMS or email).

No replacement vouchers can be issued for lost, stolen or expired vouchers.

Vouchers are valid for 3 years and will show an expiry date.

Vouchers are only valid for use in South Africa.

Old Mutual Rewards BabyClub

How much is an Old Mutual Rewards point worth?

10 points = R1

How can this benefit be used?

You can use your points to buy a Digital code from any BabyClub partner, Dis-Chem, Baby City, Babies R Us, Toys R Us, Spur, Netflorist and Mangwanani Spa, via the Old Mutual Rewards website or the Old Mutual App.

The percentage More Value that you qualify for is based on your Old Mutual Rewards tier status:

	Tier 1	Tier 2	Tier 3	Tier 4	Tier 5
% More Value	10%	10%	15%	20%	25%

For example, if you are a Tier 5 member, 1,000 points would normally buy you a Digital code of R100 in value but with the 25% MORE value offer at Tier 5, 1,000 points will now buy you a Digital code for R125. Therefore, you have received ADDITIONAL value of R25 which is 25% MORE value (i.e., additional value of R25 divided by normal value of R100 = R25/R100).

When you buy a Digital code, the code will be sent to you via your preferred means of communication (SMS or email).

The Digital code is valid between two (2) to four (4) weeks and will show an expiry date.

When purchasing a Mangwanani Virtual Gift Card it will be valid for 1 year from date of purchase.

Benefit rules

We reserve the right to terminate any BabyClub benefits immediately and without notice for whatever reason or if required by law. In the event of this happening, members agree to waive any rights they may have for these benefits and acknowledge that they will have no recourse against Old Mutual or its agents.

The Old Mutual Rewards BabyClub benefits are only available to members who have children younger than 6 years (72 months) and where the member is registered as the parent of the child with the South African Department of Home Affairs.

The Identity number of the child entered as part of the registration process for the Old Mutual BabyClub benefits will be used to verify whether the member is registered as the parent of the child with the South African Department of Home Affairs.

Old Mutual Rewards reserves the right to terminate the membership of a registered Old Mutual Rewards BabyClub member, if there are reasonable grounds to suspect fraudulent behaviour. In such event, the member will lose any rights which they may have against Old Mutual Rewards and will have no claim for damages against OM Rewards of any sort.

The Digital code is not redeemable for cash. It is only applicable to transactions made at Dis-Chem, Baby City, Babies R Us ,Toys R Us , Spur, Netflorist and Mangwanani Spa for amounts up to and not exceeding the value of the Digital code.

No change will be given if the full amount of the Digital code is not redeemed.

No replacement Digital code can be issued for lost, stolen or expired codes.

Digital codes are only valid for use in South Africa.

We may use your information in accordance with the Privacy Policy (Clause number 10) in our Terms and Conditions by:

sending you personalised promotions and special offers
informing you about our brands, products, events or other promotional purposes, unless you have opted out.

Babies R Us

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your Babies R US WiCode to make purchases online.

Points redemption rules

The WiCode is not redeemable for cash.

No replacement WiCodes will be issued for lost, stolen, or expired WiCodes.

The WiCode will be available in your wallet for up to 30 days.

Once redeemed, the WiCode will be valid for 30 days from the date of redemption.

This WiCode can only be used online.

There is a minimum spend of R500 to qualify for the R75 discount.

Please note that this campaign excludes the purchase of diapers and wipes, baby food and formula.

Promotion ends 31 March 2026.

Woolworths

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your vouchers at all Woolworths stores (excluding purchases at Engen, Country Road and Trenery stores).

When you buy a voucher, the voucher code will be sent to you via SMS.

Vouchers are valid for 1 month and will show an expiry date.

Points redemption rules

The voucher is not redeemable for cash.

It is only applicable to transactions made at Woolworths stores (excluding purchases at Engen, Country Road and Trenery stores) for amounts up to and exceeding the value of the voucher.

No replacement vouchers can be issued for lost, stolen or expired vouchers.

Boxer

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your WiCode at any participating Boxers stores in South Africa. Your WiCode will be valid for 14 days from date of purchase and will show an expiry date.

Your WiCode code will be sent to you via your preferred means of communication (SMS or email).

Points redemption rules

The WiCode cannot be exchanged for cash, refunded, or transferred.

The WiCode is valid for one-time use only and must be redeemed within 14 days from the date of redemption.

A maximum of 5 WiCodes may be used in one transaction.

Any remaining WiCode balances will be forfeited.

No cash back will be given if the purchase value is less than the voucher amount, and any balance owing must be paid by cash or card.

Old Mutual Rewards reserves the right to cancel a WiCode should any fraudulent activity be suspected.

Shell

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your WiCode at any participating Shell petrol stations in South Africa . Your WiCode will be valid for 14 days from date of purchase and will show an expiry date.

Your WiCode code will be sent to you via your preferred means of communication (SMS or email).

Points redemption rules

This WiCode is strictly valid for fuel purchases only and may not be used for any in-store items at the petrol station.

You will need to make the payment for the fuel purchase in-store at the point of sale.

The WiCode cannot be exchanged for cash, refunded, or transferred.

The WiCode is valid for one-time use only and must be redeemed within 14 days from the date of redemption.

A maximum of 5 WiCodes may be used in one transaction.

Any remaining WiCode balances will be forfeited.

No cash back will be given if the purchase value is less than the voucher amount, and any balance owing must be paid by cash or card.

Old Mutual Rewards reserves the right to cancel a WiCode should any fraudulent activity be suspected.

7.2.2 BUYING VOUCHERS TO REDEEM ONLINE

You may buy vouchers from Travelstart using your Old Mutual Rewards points. This voucher can only be used for the booking of flights on the Travelstart website directly via the Old Mutual Rewards travel portal.

All queries regarding the voucher redemption must be directed to the Travelstart team. The contact number is 021-468-4351 or via email at [email protected].

Old Mutual does not accept liability for any loss incurred as a result of flight tickets purchased through the Travelstart website.

7.3 ENTER COMPETITIONS

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your points to enter Old Mutual Rewards competitions.

Details of all competitions will be available on the website from time to time.

Points redemption rules

Once you have entered a competition, you are agreeing to be subject to the specific competition rules that apply to the competition.

7.4 BUY AIRTIME FROM NETWORK PROVIDERS

How much is an Old Mutual Rewards point worth?

11 points = R1

How can these points be used?

You may use your points to buy airtime by selecting a network provider available on the Old Mutual Rewards website.

Points redemption rules

You will not be entitled to any refunds, exchanges or cancellations from us if the cellphone number selected for the purchase of airtime was incorrect or invalid.

7.5 BUY DATA OR SMS BUNDLES FROM NETWORK PROVIDERS

How much is an Old Mutual Rewards point worth?

10 points = R1

How can these points be used?

You may use your points to buy SMS or data bundles by selecting a network provider available on the Old Mutual Rewards website.

Points redemption rules

You will not be entitled to any refunds, exchanges or cancellations from us if the cellphone number selected for the purchase of data or SMS bundles was incorrect or invalid.

7.6 DONATE TO A CHARITY

How much is an Old Mutual Rewards point worth?	10 points = R1
How can these points be used?	You may use your points to donate to charities displayed on the Old Mutual Rewards website. Once you donate your points to a charity, it will be deducted immediately from your points balance.

8. COMPETITIONS AND PROMOTIONS

These are the standard competition and promotion terms and conditions which will apply to competitions and promotions conducted by the Old Mutual Rewards programme (“us/we”), Address: Mutualpark, Jan Smuts Drive, Pinelands, Cape Town, Western Cape, South Africa, save to the extent amended for the specific competition and/or promotion.

To qualify and to participate in any of our competitions and promotions the following terms and conditions will apply:

Competitions and promotions are only open to registered members of Old Mutual Rewards, who are at least 18 years or older (unless stated otherwise) and who remain active members during the promotional and competition period and who comply with all the Old Mutual Rewards terms and conditions.
Employees of the Old Mutual Rewards programme, directors, partners, agents and consultants of Old Mutual, its affiliated companies and/or agencies or members of their immediate family may not enter the competitions and promotions, unless otherwise specified.
Separate terms and conditions will apply to Old Mutual staff competitions.
Specific competitions will have their own terms and conditions over and above these rules.
Information on the prizes and how to enter form part of the specific rules applicable to each competition or promotion.
We reserve the right to verify the validity of entries and to disqualify any entrant who tampers with the entry process or who submits an entry that does not comply with all the terms and conditions and any promotional guidelines.
Entries must not contain any offensive or abusive content. Any entries deemed by us to contain offensive or abusive content will be disqualified.
Promotional and competition periods, winner prize and methods for selecting the winner will be specified by each specific competition or promotion.
The competition results and draws will be overseen by an independent auditor.
Where any dates or times need to be calculated in terms of this agreement, the international standard time: GMT plus two hours will be used.
No late entries will be accepted.
There may be a limit on the number of entries per participant depending on the rules of each competition or promotion.
The results of the competition and promotion are final and no correspondence will be entered into.
The winner’s name and entry may appear on the Old Mutual Rewards website and Old Mutual’s social media channels, magazines or any other media channel. The winner will be given the opportunity to decline any opportunity to appear in any marketing activity and may refuse the use of his or her image in marketing material.
To the maximum extent permitted by law, we are not liable for any tax implications that may arise as a result of any prize. Independent financial advice should be sought.
We will only use the winner’s details for the purpose of the competition and will protect the winner’s personal information as required by relevant South African laws.
Any data collected will be held by us in accordance with our Privacy Policy.
To the maximum extent permitted by law, we assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, computer viruses, bugs, unauthorised intervention, fraud, technical failures, theft or destruction or unauthorised access to or alteration of entries.
If the competition or promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any factor beyond our reasonable control, we reserve the right, in our sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant, or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.
We reserve the right to terminate any competition or promotion immediately and without notice for whatever reason or if required by law. In the event of this happening, participants agree to waive any rights they may have in this competition, and acknowledge that they will have no recourse against Old Mutual or its agents.
To the maximum extent permitted by law, we cannot guarantee the performance of any third parties and will not be liable for any default by a third party.
If we are not able to get hold of you as set out above in the competition rules, or you do not claim your prize within a specified period, any unclaimed prize will be lost and may be awarded to other participants.
Prizes cannot be swapped for cash or a different prize.

You also indemnify all of us for any claims which may be as a result of us terminating the competition or promotion and any default by third party in relation to the Old Mutual Rewards programme.

9. HOW TO CONTACT US IF YOU HAVE A QUESTION OR A COMPLAINT

Any complaints can be sent to us via the following channels:

On our website: www.oldmutual.co.za/rewards by completing the Contact Us form
Email address: [email protected]
Contact Centre: 0860 700 800

10. PERSONAL INFORMATION THAT OLD MUTUAL WILL COLLECT AND KEEP ABOUT YOU

Entry into the Old Mutual Rewards programme is conditional on you providing certain personal information.

We may use your information or obtain information about you from third parties for the following purposes in addition to what is described in the Privacy Policy:

communicating with you about Old Mutual Rewards, your account, earn and spend transactions, purchases and other related services
responding to your customer service enquiries and requests for information
sending you personalised promotions and special offers
informing you about our brands, products, events or other promotional purposes
maintaining and improving our sites and the products and services we offer
detecting, preventing, or investigating security breaches
maintaining appropriate records for internal administrative purposes
conducting surveys for our market research and analytics to refine our propositions to customers and how to improve Old Mutual Rewards to best suit your needs
generating financial wellness reports, scores and other related financial information when you participate in Old Mutual Rewards financial wellness assessments
collecting information from other participating affiliates of the Old Mutual Group for allocation of points earned through product-earn activities
credit searches and/or verification
fraud prevention and detection
market research and statistical analysis
audit and record-keeping purposes
compliance with legal and regulatory requirements
verifying your identity
sharing information with service providers we engage to process such information on our behalf or who render services to us. These service providers may be abroad, but we will not share your information with them unless we are satisfied that they have adequate security measures in place to protect your personal information.

The privacy policy also contains information about how members may opt out from receiving promotional or marketing communication.

You may access your personal information that we hold and may also request us to correct any errors or to delete this information. In certain cases, you have the right to object to the processing of your personal information.

We are committed to treating your personal information with great care and in terms of the laws of our country. To view our full privacy notice and to exercise your preferences, please visit our website on www.oldmutual.co.za

You have the right to complain to the Information Regulator, whose contact details are:

http://www.justice.gov.za/inforeg/index.html
Tel: 012 406 4818
Fax: 086 500 3351
Email: [email protected]

11. CAUTION REGARDING PHISHING AND SPOOFING

If you receive an unsolicited e-mail that appears to be from us and that requests you to provide personal information such as your bank account details, credit card number, identity number, password and any other sensitive information, or that asks you to verify or confirm your information you have registered on the Old Mutual Rewards website by clicking on a link, it is most likely that the e-mail was sent by a ‘phisher’ or ‘spoofer’.

Do not respond to these e-mails and do not click on the links. Responding to phishing places you and your personal information at risk. To the maximum extent permitted by law, we cannot be held liable for any consequences resulting from your response to any email sent by a ‘phisher’ or a ‘spoofer’.

If you are unsure or have any doubts, please contact our Contact Centre to verify.

Paragraph 11 has important legal consequences for you. In this paragraph, you take on legal responsibility, liability and risk, our legal responsibilities are limited and any rights or claims you may have against us are also limited or excluded.

You will not be able to take any action against us for any loss or damage, including loss of data which may result from phishing or spoofing. "Phishing" refers to an attempt to obtain sensitive information such as usernames, passwords, and credit card details , often for malicious reasons, by disguising as a trustworthy entity in an electronic communication. "Spoofing" refers to tricking or deceiving computer systems or other computer users. This is typically done by hiding one's identity or faking the identity of another user on the Internet.

12. TAX IMPLICATIONS

We recommend that you obtain independent professional advice regarding any tax implications arising from the receipt, accumulation, spending of any rewards, benefits, discounts, vouchers or points.

To the maximum extent permitted by law, you are fully responsible for any tax implications arising from or associated with any rewards, benefits, discounts or points received, accumulated, transferred or spent due to you being a member of, or participating in, the Old Mutual Rewards programme.

Paragraph 12 has important legal consequences for you. In this paragraph, you take on legal responsibility, liability and risk, our legal responsibilities are limited, and any rights or claims you may have against us are also limited or excluded.

It is your responsibility to confirm and understand any tax implications (if any) associated with Old Mutual Rewards and using the rewards. We will not be liable for any tax related liabilities associated with your participation in Old Mutual Rewards.

13. TERMINATION OF MEMBERSHIP

We reserve a right to suspend or terminate your account immediately, to remove or refuse to award points, or cancel rewards associated with your account at any time, and without providing reasons where we have reasonable belief that you have:

Violated these terms and conditions.
Attempted to violate, abuse or engage in any fraudulent transaction to earn points or to use vouchers.
Acted in a manner inconsistent with applicable laws and regulations in relation to the Old Mutual Rewards Programme.

13.1 YOUR RIGHT TO TERMINATE MEMBERSHIP

You may cancel your membership at any time by:

Phone: Old Mutual Rewards Contact Centre at 0860 700 800
Email: Give a 30 calendar days’ notice in writing at: [email protected] or
Mail: Mutualpark, Jan Smuts Drive, Pinelands, Cape Town, Western Cape, South Africa, PO Box 66, Cape Town 8000

We may continue to communicate with you until we have received and processed your cancellation of membership.

We encourage you to use any earned points before cancelling or terminating your membership. Any points that you may have earned at that point, but not spent yet, will be cancelled.

13.2 YOUR MEMBERSHIP CEASES (STOPS) ON YOUR DEATH

Your membership will stop and your account will be closed when you die. Any points that you may have earned at that point, but not spent yet, will be cancelled. Your deceased estate will have no claim to any points that you may have earned at that point.

13.3 OLD MUTUAL’S RIGHT TO CANCEL THE REWARDS PROGRAMME (OR PARTS THEREOF)

We reserve the right to cancel the Old Mutual Rewards programme completely, or parts (aspects) of it, if legislation (the law) requires that we must cancel it or make changes to the terms and conditions, or if the Regulator under whose control Old Mutual (or any company in the Old Mutual Group) falls, instructs us to cancel the programme.

We may also cancel Old Mutual Rewards if it is no longer, in our view, financially or practically viable to keep it in operation.

We will honour all points and vouchers earned by members up to that point, unless the law or the Regulator instructs us otherwise.

The above paragraph has important legal consequences for you. In this paragraph, our risk and liability to continue with Old Mutual Rewards and to honour your points is limited, and we may cancel or amend all or part of the Old Mutual Rewards programme if Old Mutual Rewards becomes prohibited by law or regulation, or regulatory instructs us to do so, or if it is no longer financially or practically viable.

14. OUR ADDRESS FOR PURPOSES OF LEGAL NOTICES

In case we cannot settle a dispute with you, any legal notices must be sent to: Mutualpark, Jan Smuts Drive Pinelands, Cape Town, Western Cape, South Africa, PO Box 66, Cape Town 8000.

15. GOVERNING LAW

These terms and conditions, your membership or transactions stemming from your membership of the programme will be governed by and construed in accordance with South African laws and you consent to the jurisdiction of the South African courts in respect of any dispute which may arise in respect of these terms and conditions.

16. CONSUMER PROTECTION ACT

If these terms and conditions (or any contract governed by these terms and conditions) or Old Mutual Rewards or any services associated with Old Mutual Rewards are regulated by or subject to the Consumer Protection Act 68 of 2008, as may be amended from time to time (the " Consumer Protection Act"), it is not intended that any provision of these terms and conditions contravene any provision of the Consumer Protection Act. Therefore, all provisions of these terms and conditions must be treated as being qualified, to the extent necessary, to ensure that the provisions of the Consumer Protection Act are complied with.

No provision of these terms and conditions (or any contract governed by these terms and conditions):

does or purports to limit or exempt us from any liability (including, without limitation, for any loss directly or indirectly attributable to our gross negligence or willful default or that of any other person acting for or controlled by us) to the extent that the law does not allow such a limitation or exemption;
requires you to assume risk or liability for the kind of liability or loss, to the extent that the law does not allow such an assumption of risk or liability; or
limits or excludes any warranties or obligations which are implied into these terms and conditions (or any contract governed by these terms and conditions) by the Consumer Protection Act (to the extent applicable) or which we give under the Consumer Protection Act (to the extent applicable), to the extent that the law does not allow them to be limited or excluded.

Breadcrumb

Terms and Conditions

OLD MUTUAL REWARDS PROGRAMME TERMS AND CONDITIONS

DEFINITIONS

Term

Definition

1. INTRODUCTION

2. AGREEMENT TO THESE TERMS AND CONDITIONS

3. HOW TO BECOME A MEMBER

4. YOUR ACCOUNT

5. EARNING POINTS

5.1 GENERAL AND MANAGING DETAILS

5.2 ENGAGEMENT-RELATED EARN ACTIVITIES

POINTS EARNING TABLE FOR ENGAGEMENT EARN ACTIVITIES (see details per activity below table)

Earn activity

Description

Points earn

Conditions

Join Old Mutual Rewards

Invite your family and friends to join Old Mutual Rewards

Participate in selected surveys

Promotional earn opportunities

Financial advice

Moneyversity+

Financial wellness assessments, calculators and requesting a credit report

Vault22

5.4 OLD MUTUAL GROUP PRODUCT EARN ACTIVITIES

6. OLD MUTUAL REWARDS TIERS & POINTS EARNED ON OLD MUTUAL PRODUCTS

6.1 OLD MUTUAL REWARDS TIERS

Product category

Qualifying Old Mutual products

Qualifying criteria

6.2 POINTS EARNED ON OLD MUTUAL PRODUCTS

6.2.1 POINTS EARNED AS A PERCENTAGE (%) OF PREMIUMS

6.2.1.3 FITNESS AND HEALTH BONUS POINTS

6.2.1.3.2 HEALTH BONUS POINTS

6.2.1.2 LIMITS ON SIZE OF PREMIUMS

6.2.3 POINTS EARNED AS A PERCENTAGE (%) OF INVESTMENT VALUE

Product category

Qualifying Old Mutual products

6.2.3.2 LIMITS ON SIZE OF PREMIUMS AND INVESTMENTS VALUE

Amendment of your existing long-term and/or short-term insurance policies and/or incorporation of certain terms in future policies: Rewards earned through an allocation of a portion of your premiums by the relevant Old Mutual insurer towards Old Mutual Rewards.

6.4 A note on ownership

6.5 EARN FROM OUR REWARDS PARTNERS

6.5.1 NetFlorist

6.6 MEMBER BENEFITS

Legal Assistance

Travelstart Flight Discount

Old Mutual Rewards Bus Bookings

Travelstart Vouchers

Emergency Medical Services

Take Me Home

TaxTim

Virgin Active Gym Rebate

Zone Fitness Gym Rebate

General Member benefits disclaimers:

7. SPENDING YOUR POINTS

7.1 INVEST YOUR POINTS

OM BANK

7.2. BUYING VOUCHERS TO SPEND IN STORE

7.3 REWARDS PARTNERS

Shoprite and Checkers

KFC

Ackermans

Petshop Science

Hungry Lion

Steers

PRIMI

Kauai

Nü

Nando's

Krispy Kreme

Wimpy

Dis-Chem Pharmacies

Sportsmans Warehouse

Outdoor Warehouse

TotalEnergies (Bonjour Stores)

Uber and Uber Eats

Steam

Sony Playstation Plus Membership