Last updated on: 18 November 2026
Introduction
Welcome to You+ - Southern Cross’ daily personal health experience and Rewards programme. You+ rewards you for making healthy choices, like staying active, completing health assessments, and shopping with our You+ Partners. These Terms set out the You+ Programme terms and conditions and explain important information you need to participate, including:
Part A General Terms: These apply to all aspects of the You+ Programme.
Part B Specific Terms: These apply to specific Activities or Rewards.
Rewards: These Terms also refer to and incorporate information on the Rewards Page (available on the My Southern Cross app), which we may update from time to time.
You+ Privacy Policy: These Terms of Use also incorporate the You+ Privacy Policy, which explains how we manage your personal information in connection with the You+ Programme. It is important to be aware that information you provide, or authorise us to collect, through You+ is kept separate from other information that Southern Cross holds about you. It will not be used in the assessment of your Southern Cross health insurance cover or for any applicable underwriting decisions or disclosures. You are still required to disclose all relevant information in response to the questions that we ask when you apply for insurance cover or make a claim.
By registering a You+ Account, and participating in You+, you confirm that you have read, understood and agree to these Terms.
In these Terms:
- capitalised words have the meaning given to them in clause 10 below; and
- unless expressly stated otherwise, references to clauses are to clauses in Part A of these Terms.
These Terms apply in addition to, and do not replace the My Southern Cross Terms of Use and My Southern Cross app Terms of Use.
Certain You+ Programme functionality, referred to in these Terms, may not be available immediately following launch of the You+ Programme. Please refer to the My Southern Cross app for further information.
Key things to know
Am I eligible to participate? To enrol and participate in You+, you must be covered under an active Southern Cross health insurance policy, have (or set up) an active account on the My Southern Cross app, be aged 18 years or older and reside in New Zealand. See clause 2.1 for further detail.
How can I join? You can enrol in You+ by following the directions in the My Southern Cross app.
How do I earn Points? There are a range of ways you can earn Points and these will change over time. For example, you can complete step targets, health assessments and Focus Areas. Points expire 24 months after they are issued. See clause 3 for further detail.
How do I redeem Rewards? You can redeem your Points using the Rewards Page on the My Southern Cross app. See clause 3.6 for further detail.
Additional steps to get the most from You+: You may need to take additional steps to participate in an Activity – refer to the Specific Terms. For example, you need to link an Eligible Device or App (such as a compatible fitness tracker, smartwatch or health app) to your You+ Account, and sync your device, in accordance with the Specific Terms for the relevant Activity.
Changes over time: You+ is intended to be a dynamic programme and we may make changes over time – see clause 6 for further detail.
Part A - General Terms
1. Introduction
1.1 You+ is operated by Southern Cross, in accordance with these Terms.
2. Eligibility and registration
2.1 Am I eligible for You+?
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To register a You+ Account and participate in the You+ Programme, you must be:
- covered under an active Southern Cross health insurance policy;
- aged 18 years or older;
- a New Zealand resident;
- a current My Southern Cross app account holder (or set up a My Southern Cross app account); and
- an individual - a You+ participant cannot be a company, trust, partnership or other organisation; however, an individual can participate if they are covered under a Southern Cross health insurance policy arranged through an employer, corporate scheme or other group arrangement.
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We will link your You+ Account to your Southern Cross membership. We may also take additional steps to verify your eligibility, including your residency, at any time.
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Generally, you can only hold one You+ Account. If you hold multiple Southern Cross health insurance policies, you may have a separate You+ Account for each policy; however, we recommend that you only use one You+ Account at any time.
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You must continue to meet the Eligibility Requirements to participate in You+ and, if you do not do so, we may restrict, suspend or terminate your access to You+ and/or your ability to earn or redeem Points – see clause 7. For example, we may take these steps if your Southern Cross health insurance policy is not active (including if your premiums are not up to date, or your policy lapses, is placed on hold, is suspended, in arrears or cancelled).
2.2 How do I create a You+ Account?
You can enrol in You+ by registering a You+ Account using the My Southern Cross app. Please follow the directions in the My Southern Cross app.
2.3 Can I cancel my You+ Account?
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After you register a You+ Account, you can cancel at any time by calling our contact centre.
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If you cancel your You+ Account:
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you will no longer be able to participate in You+, earn Points or redeem Rewards, and you will be deemed to forfeit any Points you have earned and not redeemed; and
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we may retain and continue to use certain information, as described in the You+ Privacy Policy.
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In addition, if you have linked an Eligible Payment Card (in accordance with clause 4.3) you can opt out of Card Linking at any time by unlinking the Linked Card in the My Southern Cross app. If you opt out of Card Linking, you will no longer be able to earn Points for Qualifying Purchases, but you may continue to participate in other Activities and earn and redeem Points through You+.
3. Earning and redeeming Points
3.1 How do I earn Points?
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You can earn Points by:
- participating in an Activity, if you follow the directions for the relevant Activity in the My Southern Cross app and the applicable Specific Terms; or
- making a Qualifying Purchase with a Partner.
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Further detail is set out in the Specific Terms and the Rewards Page, including the Points available for each Activity and the Rewards available in exchange for Points.
3.2 We may not be able to credit Points to your You+ Account immediately. Points may take up to 48 hours to appear while the relevant Activity or transaction is received, verified or processed, including where processing depends on a Connected Device or App, Partner or third-party service.
3.3 We may change the Points available for Activities or transactions – see clause 6. Unless we tell you otherwise, any change will apply from the date stated in the Rewards Page and will not reduce Points already credited to your You+ Account.
3.4 Points for an Activity are only awarded once you have completed the Activity (for example, once you have satisfied all applicable criteria for a multi-day Activity) — not while the Activity is in progress. If we change the Points available for an Activity before you have completed it, the changed Points amount will apply once you complete it.
3.5 Will my Points information be verified?
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You must ensure that all information you provide to us in connection with You+, including earning Points, is accurate, up to date, not misleading, not duplicated or manipulated, and not provided through fraudulent, dishonest or otherwise improper conduct.
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If the directions for an Activity require confirmation of any aspect of the Activity, on your behalf, by a health professional, the health professional must be:
- a general practitioner, specialist, or registered practising member of a profession allied to medicine;
- practising in private practice; and
- an independent person (that is, not a family member or someone with a personal interest in the outcome).
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We may check that the information you provide on your You+ Account is accurate (refer to further detail in clause 9.1 below). We may also ask you for additional information or supporting evidence.
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We may suspend or reclaim (including by reversing or correcting) Points issued to your You+ Account if we reasonably believe they were credited in error (for any reason whatsoever) or due to a breach of the Acceptable Use Requirements.
3.6 How do I redeem Rewards?
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You can redeem a Reward by following the directions on the Rewards Page. This may include:
- using your Points Balance; and
- paying the difference between the Reward Value and your Points Balance, using any payment method available on the Rewards Page (if a Points top-up payment is required and available during the redemption process on the Rewards Page).
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The Rewards available, and number of Points required for each Reward, is detailed in the Rewards Page.
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When you redeem a Reward, the required Points will be deducted from your Points Balance immediately.
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All Reward redemptions are final and cannot be cancelled, changed or refunded, except where required by law or where the Reward is not fulfilled in accordance with clause 3.6(e).
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Rewards are subject to availability and redeemed Rewards may not be fulfilled due to availability, or for any other reason outside our control. If we notify you that a redeemed Reward will not be fulfilled, the associated points will be added back to your points balance. Each Reward and Reward Value is subject to change in accordance with clause 6 and in accordance with any time limits set out in the Rewards Page.
3.7 Do Points and Rewards expire?
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Your Points will expire 24 months after the end of the month in which they are issued to your You+ Account. For example, if you accrue Points on the 8th, 15th and 28th August 2026, they will all expire on 30th September 2028. You will be deemed to immediately forfeit any Expired Points and we will remove Expired Points from your Points Balance. We may (but are not required to) notify you before Points expire.
- Some Rewards may have an expiry date or period after you have redeemed them, which is specified by the relevant Partner. If applicable, and you don’t claim or use the Reward by the specified date or within the specified period, you will forfeit your entitlement to that Reward.
3.8 What happens if there is an issue with a Reward?
- If a Reward is not issued correctly or cannot be accessed, please contact us as soon as possible, using the Contact Us details on Southern Cross’ website. Where the issue relates to a product or service supplied by a Partner, clause 3.8(b) will apply.
- Each Reward will be supplied by a Partner. To the extent permitted by law, the relevant Partner (and not Southern Cross) is solely responsible for each Reward it supplies. Southern Cross does not provide any guarantees or warranties relating to Rewards and is not liable for any lost or stolen Reward (including a gift card Reward). If you have any issue relating to a Reward, you should contact the relevant Partner (subject to clause 3.8(a)).
3.9 Other information about Rewards
- Any images of Rewards shown in the My Southern Cross app (or any related material), including any images on the Rewards Page, are for illustration purposes and may not be to scale or exactly match the applicable Reward.
- Points cannot be bought, sold, transferred to another person or exchanged for cash.
4. Our Partners
4.1 Activities and Rewards
- All Rewards are provided by a Partner and some Activities are provided by, or in partnership with, a Partner.
- If you engage with a Partner, the Partner’s own terms and conditions will also apply, and you agree to comply with them. For example, if you purchase a Partner’s product or service as a Qualifying Purchase, or if you redeem a Reward supplied by a Partner.
4.2 Information sharing
Information may be shared between us and our Partners, in connection with You+. See the You+ Privacy Policy for more information.
4.3 Card Linking
- Some Activities may allow you to earn Points by linking an Eligible Payment Card and using that card for a Qualifying Purchase. You may only link a payment card that belongs to you or that you have authority to use.
- Card Linking is provided using services supplied by a third-party service provider. Additional Card Linking terms may be notified to you by the third-party service provider during the card-linking process, and will apply to you, when you link a card.
- By linking an Eligible Payment Card, you consent to the collection and use of your card information and transaction details in accordance with the You+ Privacy Policy.
- Card Linking is only available for Eligible Payment Cards. You must link your card before you make a purchase for that purchase to earn Points.
- We may decline, pause or remove a Linked Card, or adjust your Points, if we reasonably believe that your use of the Card Linking feature has breached these Terms, including this clause 4.3.
4.4 Disclosure of commercial arrangements
We may receive commission or other consideration from Partners in connection with the You+ Programme.
5. Acceptable Use and Security
5.1 Personal use only
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Your participation in You+ is for your personal use only and is not transferable.
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Without limiting clause 5.1(a), you must not:
- provide or give to any other person, or allow any other person to use, any You+ Activity or benefit, unless permitted in the Specific Terms for the relevant Activity;
- share your You+ Account login details with anyone else and you must take other reasonable steps to ensure that no one else accesses or uses your You+ Account;
- share your Southern Cross membership number with anyone else, unless required by us or a Partner to enable you to participate in You+; or
- use your You+ Account, or any Activities or benefits available through it, for business or commercial purposes.
5.2 Security of your You+ Account
- You must keep your You+ Account login details confidential and inform us promptly if you become aware of, or suspect, any unauthorised access to your You+ Account.
- The security requirements set out in the My Southern Cross Terms of Use also apply to your use of the My Southern Cross app and You+ Account.
- You are responsible for all activity on your You+ Account using your login credentials, including any information submitted and Reward purchases or redemptions.
5.3 Acceptable Use Requirements
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You must use your You+ Account appropriately, lawfully and in accordance with these Terms (including clauses 5.1 and 5.2 above).
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You must not use any part of You+ (including the My Southern Cross app and your You+ Account):
- for any unlawful purpose;
- in a way that is offensive or inappropriate;
- to commit fraud or misrepresent your eligibility or Activities;
- to gain an unfair advantage (including through a breach of clause 3.5);
- for any competitive purpose or to benefit a competitor of Southern Cross;
- to interfere with or disrupt the operation of You+; or
- to circumvent any You+ Programme rules, limits or security measures. We may ask you for information or conduct checks to confirm your You+ Account is being used appropriately.
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You must not reverse engineer, decompile, copy, redistribute or otherwise interfere with the My Southern Cross app.
6. Changes to the You+ Programme
6.1 Notice of updates
- We will notify you of any updates to the Terms or the You+ Programme (in accordance with this clause 6), in a way we consider reasonable in the circumstances, taking into account the nature of the change. For example, depending on the relevant change, this may include updating these Terms or information in the My Southern Cross app or on our website at www.southerncross.co.nz/society/Info-hub/Legal-disclosures/Terms-and-conditions#youplus, or contacting you directly by email, SMS, push notification or another suitable channel.
- Unless we tell you otherwise, any change will apply from the date of our notice.
- We may make changes without advance notice where reasonable in the circumstances, including where the changes are necessary for legal, regulatory, security, fraud-prevention or operational reasons.
- You can cancel your You+ Account at any time, in accordance with clause 2.3.
6.2 Updates to these Terms
We may update these Terms (including the Specific Terms) from time to time, including to reflect updates to the operation and administration of the You+ Programme and applicable law.
6.3 Updates to You+
We may update the You+ Programme from time to time. This may include changes to:
- Activities or transactions that earn Points;
- number of Points available;
- Rewards;
- number of Points required for each Reward (refer to further detail in clauses 3.3 and 3.4);
- Partners;
- eligibility requirements;
- available features on You+ in My Southern Cross app; and
- Eligible Device and Apps.
6.4 Suspending, replacing or discontinuing the You+ Programme
- We may suspend, replace or discontinue all or part of the You+ Programme.
- If the You+ Programme is discontinued, we will tell you what will happen to existing Points and Rewards and whether a final redemption period will apply.
6.5 Further information about updates
If you would like to discuss any updates to these Terms or the You+ Programme, please get in touch.
6.6 Protection of existing Points
Unless we notify you otherwise, any update to these Terms or the You+ Programme will not reduce the Points already credited to your You+ Account.
7. Suspension and termination
7.1 Can I terminate my Account?
You may cancel your You+ Account at any time, refer to clause 2.3.
7.2 Can Southern Cross suspend or terminate my Account?
We may suspend or terminate your You+ Account or your participation in, or access to, You+, or prevent you from earning further Points, if:
- you no longer meet the Eligibility Requirements;
- we believe you have breached these Terms, or otherwise acted fraudulently, dishonestly or improperly in connection with the You+ Programme; or
- suspension is reasonably necessary to protect the security, integrity or lawful operation of the You+ Programme or My Southern Cross app.
7.3 What happens to my Points and progress?
If your Southern Cross membership ends, your You+ Points are void and your You+ Programme progress will no longer be available to you. If your membership is suspended, your ability to earn and redeem Points will also be on hold, and Points will continue to expire in accordance with clause 3.7.
7.4 Can I reactivate my Account?
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If you have cancelled your You+ Account but wish to rejoin, you may request to reactivate your You+ Account by contacting us. We will endeavour to reactivate your You+ Account on request if:
- you remain covered under the same Southern Cross health insurance policy that was linked to your original You+ Account; and
- your You+ Account information is still held by or on behalf of Southern Cross.
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If you meet these requirements, we will endeavour to reactivate your You+ Account, including your Activity history. However, any Points that were forfeited before reactivation will not be restored.
8. Liability and disclaimers
8.1 My Southern Cross Terms of Use
The My Southern Cross Terms of Use apply to your participation in You+ and use of the My Southern Cross app, including the Limitation of Liability. This section sets out additional terms that apply to You+.
8.2 Your rights under consumer law
Nothing in these Terms limits your rights under the Consumer Guarantees Act 1993 or any other law, where those rights cannot lawfully be excluded or limited.
8.3 Limits on our liability
- To the extent permitted by law, Southern Cross (and our related entities) exclude any liability whatsoever under or in connection with these Terms or your participation in You+, including in connection with your participation in any Activity and your use of You+ content, except to the extent such liability arises from a manifest error, fraud or wilful breach by Southern Cross.
- To the extent permitted by law, our service providers and Partners exclude any liability whatsoever under or in connection with You+ and these Terms, without prejudice to any Partner’s obligations relating to Rewards they supply (see clause 4.1(b)).
- Without limiting clause 8.3(a), we are not liable for any Rewards, or information or advice, given by any other party, including a Partner or health professional.
8.4 Disclaimers
- General information only. You+ provides general information only and it is only intended for educational purposes. You+ does not provide any medical advice and does not replace advice or treatment from a qualified health professional.
- No promotional material. You+ does not promote the sale or supply of any medicine or medical device, or the use of any specific method of treatment.
- Health professionals. If you require any advice, or have any concerns, you should seek advice from a qualified health professional. In an emergency, always seek urgent medical attention.
- Your own risk. You take part in You+ at your own risk. The Activities and content in You+ may not suit everyone. As detailed in the Specific Terms, you should only do an Activity if you can do so safely, and you are responsible for taking reasonable care to avoid injury or harm.
9. General legal
9.1 Monitoring and audits. We may monitor the You+ Programme and conduct audits, verification checks or investigations in relation to your You+ Account and Activities. This helps us ensure the You+ Programme operates in accordance with these Terms, and fairly for all participants.
9.2 Relationship to member offers. Unless we notify you otherwise, existing Southern Cross member offers operate separately, and the applicable offer terms and any Partner terms continue to apply.
9.3 Governing law. These Terms are governed by New Zealand law, and the New Zealand courts have non-exclusive jurisdiction over any dispute relating to them.
9.4 Order of precedence:
- If there is any conflict between these Terms and the My Southern Cross Terms of Use or My Southern Cross app Terms of Use on a You+-specific matter, these Terms apply.
- If there is any inconsistency between Part A, and the Specific Terms for an Activity and/or Reward in Part B, the Specific Terms will apply to that Activity and/or Reward.
9.5 Severability. If any part of these Terms is found to be invalid or unenforceable, that part will be removed and the rest will continue to apply.
9.6 Interpretation. Headings are for convenience only and do not affect how these Terms are interpreted. Words like “include” or “for example” are not limiting. Words in the singular include the plural and vice versa.
9.7 How we’ll contact you. By participating in You+, you agree that we may contact you about You+ through the My Southern Cross app, email, SMS, push notification or another appropriate channel. For example, we may contact you about your You+ experience - including activities, challenges, nudges and other actions you can take — through the My Southern Cross app, email or another appropriate channel. We may also contact you about the administration, security or operation of You+. You can opt out of these communications at any time - refer to further detail in the You+ Privacy Policy.
9.8 Feedback and surveys. We may contact you to ask about your experience with You+, including through surveys, questionnaires or feedback requests, using the contact methods described in clause 9.7. You are not required to respond, and your participation in You+ is not affected if you choose not to.
9.9 Questions or complaints. If you have a question or complaint about You+, please contact us using the Contact Us details on Southern Cross’ website.
9.10 No third party enforcement. These Terms are between you and Southern Cross only. No other person or entity can enforce them.
9.11 We don’t waive our rights. If we do not immediately enforce any right or remedy under these Terms, or only enforce it partially, that does not mean we have given up that right or any other right. We can still enforce our rights later.
9.12 Rights are cumulative. The rights under these Terms are in addition to, and do not limit or exclude, any other rights or remedies under these Terms, at law or in equity.
10. Definitions
Acceptable Use Requirements means the acceptable use requirements set out in clause 5.3.
Activity means a task, step, Challenge, goal or other action you can complete to earn Points through You+, as described in the My Southern Cross app and the applicable Specific Terms.
Card Linking means the feature that allows you to link an Eligible Payment Card to your You+ Account to earn Points for a Qualifying Purchase.
Challenge means an individual or group Activity with specific requirements and a defined completion period, as described in the My Southern Cross app and the applicable Specific Terms.
Connected Device or App means an Eligible Device or App that you have connected to your You+ Account.
Eligibility Requirements means the eligibility requirements set out in clause 2.1.
Eligible Device or App (or Eligible Device and App) means a wearable device, smartphone, fitness tracker, health app and/or health platform that is compatible with You+ and identified as eligible in the My Southern Cross app.
Eligible Payment Card means a payment card that Southern Cross identifies as an Eligible Payment Card from time to time.
Expired Points means Points that have expired in accordance with clause 3.7(a).
Focus Area means a themed health and wellbeing journey within You+ that allows a Participant to earn Points by selecting and completing specified content and Activities.
Linked Card means an Eligible Payment Card that you have linked to your You+ Account at the relevant time.
Mastercard means Mastercard Asia/Pacific Pte. Ltd as well as any related Mastercard entities.
My Southern Cross app means the application available to Southern Cross members.
My Southern Cross app Terms of Use means the ‘My Southern Cross mobile app – terms of use’ available at www.southerncross.co.nz/society/info-hub/legal-disclosures/terms-and-conditions#msca.
My Southern Cross Terms of Use means the terms of use available at www.southerncross.co.nz/society/info-hub/legal-disclosures/terms-and-conditions#mscw.
Participant means a Southern Cross member who meets the Eligibility Requirements and is enrolled in You+.
Partner means a third-party organisation that provides or supports a You+ Activity or Reward, including participating Rewards partners.
Points means You+ Points earned in accordance with clause 3.
Points Balance means the number of Points currently accrued to your You+ Account.
Privacy Statement means the Southern Cross Privacy Statement available at www.southerncross.co.nz/privacy.
Qualifying Purchase means a purchase from a participating Partner that:
- qualifies for earning Points (as listed on the Rewards Page); and
- is made using a Linked Card.
Reward means a reward available for Points earned through You+, as detailed on the Rewards Page.
Reward Value means the number of Points required to redeem a Reward, as notified on the Rewards Page.
Rewards Page means the Rewards section on the My Southern Cross app.
Specific Terms means the Specific Terms set out in Part B.
Southern Cross, we, us or our means Southern Cross Medical Care Society trading as Southern Cross Health Society.
Terms means these You+ Terms, including the Introduction, General Terms in Part A, Specific Terms in Part B and the You+ Privacy Policy, as amended from time to time.
You or your means the Southern Cross member participating in, or seeking to participate in, You+.
You+ Privacy Policy means the You+ Privacy Policy available on the My Southern Cross app, as updated from time to time.
You+ or You+ Programme means Southern Cross’ daily personal health experience and Rewards programme.
You+ Account means the account created for you when you enrol in You+ through the My Southern Cross app.
Part B - Specific Terms
These terms apply, in addition to Part A, for each specific Activity described below.
You should only do an Activity if you can do so safely, and you are responsible for taking reasonable care to avoid injury or harm. Before starting any Activity, or changing your existing habits, you should speak with a healthcare provider to ensure it’s safe for you. This is particularly important if you have a known musculoskeletal, heart, or lung condition. If at any time you experience new or worsening symptoms while exercising, contact your doctor or primary healthcare provider right away or seek medical care as soon as possible. For example, symptoms that require urgent attention include chest pain, shortness of breath, swelling in your legs, confusion, sudden changes in exercise tolerance, dizziness, nausea, vomiting, palpitations, or excessive fatigue. In an emergency, always seek urgent medical attention.
1. Onboarding – selecting your first Focus Area
1.1 What is this Activity?
Selecting your first Focus Area, allows Participants to earn Points by selecting a Focus Area as part of the initial onboarding process for You+.
1.2 How do I earn Points?
You can earn Points by selecting your first Focus Area and completing all associated onboarding steps identified in the My Southern Cross app. You may only earn Points for completing this Activity once. Further details on Points available are detailed in the Rewards Page. Points may take up to 48 hours to appear after you have selected a Focus Area and completed the relevant onboarding steps.
1.3 Is there a deadline to participate?
There is no fixed deadline to complete this Activity, you can complete it at any time while You+ and this Activity remains available to you.
2. Build Your Health Profile
2.1 What is this Activity?
Complete a health questionnaire, allowing Participants to earn Points by building their health profile through You+.
2.2 How do I earn Points?
You must submit all information required to build your health profile for it to be recorded as complete in the My Southern Cross app. Points may only be earned once for completing this Activity. Further details on Points available are detailed in the Rewards Page. Points may take up to 48 hours to appear after completion.
2.3 Is there a deadline to participate?
There is no fixed deadline to complete this Activity, you can complete it at any time while You+ and this Activity remains available to you.
3. Connect a Device
3.1 What is this Activity?
Connect a Device allows Participants to earn Points by connecting an Eligible Device or App to their You+ Account through the Rewards Page.
3.2 How do I earn Points?
You can earn Points by successfully completing a device or app connection, which will include the Connected Device or App being recognised within the My Southern Cross app. Granting the required permissions may be necessary for the connection to be treated as complete. You may only earn Points for completing this Activity once. Further details on Points available are detailed in the Rewards Page. Points may take up to 48 hours to appear after completion.
3.3 Is there a deadline to participate?
There is no fixed deadline to complete this Activity, you can complete it at any time while You+ and this Activity remains available to you.
4. Active Living
4.1 What is this Activity?
Active Living allows Participants to earn Points by completing specified daily step targets using step data received through an Eligible Device or App linked to their You+ Account, on at least five days during a Monday-to-Sunday week.
4.2 How do I earn Points?
You can earn Points by completing Active Living step targets – further details on step targets, together with Points available and any earning limits, are detailed in the Rewards Page. To earn Points, you must connect an Eligible Device or App to your You+ Account and grant the permissions required to share your step data, by following the directions in the My Southern Cross app. Points may take up to 48 hours to appear after the applicable step target has been completed.
4.3 What Activity data is eligible?
Each Active Living week runs from Monday to Sunday. Only eligible step data recorded during that week and received through your Connected Device or App will count towards Active Living. Step activity from one week cannot be carried forward or applied to another week. You cannot manually enter or edit step data. To earn Points, you need to make sure your Connected Device or App syncs with your You+ Account regularly (at least daily prior to 11.30PM). To trigger syncing, you must open your My Southern Cross app and any synced fitness app on your devices. If your data does not sync in time, you may miss out on Points for that Activity.
4.4 What happens if step data is delayed, incomplete or unavailable?
Step data may be delayed, incomplete, duplicated or unavailable because of device settings, permissions, connectivity, third-party systems or other technical issues. We may correct or disregard step data that we reasonably believe is inaccurate, duplicated, manipulated or ineligible.
4.5 Is there a deadline to participate?
There is no overall limit on the number of weeks for which you may earn Active Living Points. You may continue to earn Points for each qualifying week time while You+ and this Activity remains available to you.
4.6 What devices, apps and platforms are eligible?
The current Eligible Device and Apps will be shown in the My Southern Cross app. We may change these from time to time, see clause 6.
5. Focus Areas
5.1 What is this Activity?
Focus Areas allow Participants to earn Points by selecting and completing the required content and Activities within a Focus Area in You+. For example, Focus Areas may relate to areas such as movement, stress, nutrition and sleep.
5.2 How do I earn Points?
Select a Focus Area within You+ and complete the required content and Activities shown in the My Southern Cross app. You must complete all content and Activities identified as required for the relevant Focus Area. The completion requirements and further details on Points available will be shown on the Rewards Page. You may only earn Points for completing each Focus Area once. Points may take up to 48 hours to appear after completion.
5.3 Is there a deadline to participate?
There is no fixed deadline to complete a Focus Area. You can complete it at any time while You+ and the relevant Focus Area remains available to you.
6. Solo Challenges
6.1 What is this Activity?
Solo Challenges allow Participants to earn Points by joining and completing eligible individual Challenges made available through You+.
6.2 Am I eligible?
The Eligibility Requirements apply. Individual Solo Challenges may also include additional participation requirements shown in the Rewards Page.
6.3 How do I earn Points?
You must join the relevant Solo Challenge and complete its requirements within the applicable Challenge period. The Solo Challenge must be recorded as complete for Points to be issued. Unless otherwise stated, Points may only be earned once for each eligible Solo Challenge. The requirements and completion period for each Solo Challenge, as well as further details on Points available are detailed in the Rewards Page. Points may take up to 48 hours to appear after completion.
6.4 What if I miss or do not complete the Activity?
No Points will be issued where the Solo Challenge requirements are not completed within the applicable Challenge period.
6.5 Is there a deadline to participate?
All deadlines to complete each Solo Challenge will be detailed in the Rewards Page.
7. Activity Streaks
7.1 What is this Activity?
Activity Streaks allow Participants to earn Points by maintaining qualifying Activity for a specified number of consecutive weeks. For example, Focus Areas Activity Streak milestones may include 1-Week, 5-Week and 10-Week Activity Streaks.
7.2 How do I earn Points?
Complete the qualifying Activity requirements shown in the My Southern Cross app and maintain the required streak for the applicable milestone period. You must meet the qualifying Activity requirement on each required day for the streak to continue. You may only earn Points for completing each Activity Streak milestone once. Further information is detailed in the Rewards Page, including information on the qualifying Activity, how the streak is calculated, any permitted breaks or missed days, and Points available. Points may take up to 48 hours to appear after completion.
7.3 Is there a deadline to participate?
There is no fixed deadline to reach an Activity Streak milestone. You can work towards and reach it at any time while You+ and the relevant Activity Streak remains available to you.
8. Card Linking
8.1 What is this Activity?
Card Linking allows Participants to earn Points automatically for qualifying purchases made with participating retail and allied health Partners using an eligible payment card linked to their You+ Account.
8.2 Am I eligible?
The Eligibility Requirements apply. Individual Partners or Card Linking Activities may have additional eligibility requirements or exclusions, which will be shown in the My Southern Cross app and/or the Rewards Page.
8.3 How do I earn Points?
To participate in Card Linking, you must:
- link an eligible payment card to your You+ Account through the My Southern Cross app;
- accept any additional terms presented during the card-linking process; and
- use the Linked Card to make an eligible purchase with a participating Partner.
Further information on the number of Points available, how Points are calculated and any applicable earning limits or exclusions will be shown in the Rewards Page. Points may take up to 48 hours to appear after a purchase.
8.4 What cards and purchases are eligible?
Only cards, Partners, purchases and transactions identified as eligible on the Rewards Page will qualify for Points. Some card types, transaction types, products, services, fees or purchases may be excluded.
8.5 What happens if my purchase is refunded?
If a qualifying purchase is cancelled, refunded, reversed or charged back, we may withhold, reverse or deduct any related Points from your Points Balance.
8.6 What if I unlink my card?
You may unlink a payment card at any time. Purchases made after the card is unlinked will not qualify for Points through Card Linking. Transactions completed before the card was unlinked may still be processed where otherwise eligible.
8.7 Do Partner terms apply?
A participating Partner's own terms and conditions may also apply to purchases made through Card Linking.
8.8 How is my information handled?
Information about how payment-card and transaction information is handled in connection with Card Linking is set out in the You+ Privacy Policy.
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