Rewards Rebate Programme

🏆 YOUR LOYALTY REWARDED — Commit to your 12-month learning journey and SOT rewards you with a cash rebate equal to your course investment.

The Rewards Rebate Programme is SOT’s commitment to recognising every Client who completes the full qualifying period with consistency and dedication. Achieve your Required Levels, maintain your payments, and receive your Rebate in Month 13.

1. PROGRAMME OVERVIEW

The Smart Online Trader Rewards Rebate Programme (“the Programme”) is a loyalty reward initiative operated by Smart Online Trader S.A. (a brand of Diversit-e Smart Trade College (Pty) Ltd, Registration No. 2026/199265/07) for eligible Performance Academy Members.

The Programme rewards Client commitment, consistency, and programme completion by paying a Rebate — equal to the qualifying course price paid to SOT — at the end of the 12-month qualification period. The Rebate is SOT’s way of demonstrating confidence in the long-term value of its education programmes.

2. ELIGIBILITY REQUIREMENTS

2.1 Who May Qualify

To participate in and complete the Rewards Rebate Programme, you must:

be enrolled in an eligible Performance Academy programme that expressly includes the Rewards Rebate benefit, as confirmed in your signed Purchase Agreement or in SOT’s official programme description at the time of enrolment;
maintain active engagement with your programme throughout the full 12-month qualification period;
achieve all Required Levels during the qualification period (see clause 2.2 below);
maintain your payment record in good standing throughout the full 12-month qualification period (see Section 6 for missed payment rules);
not be in material breach of your Terms and Conditions of Purchase or any other SOT agreement on the Rebate Payment Date.

2.2 Required Levels

“Required Levels” means the participation milestones, learning benchmarks, and engagement criteria that the Client must achieve to qualify for the Rebate. The specific Required Levels applicable to a Client’s enrolled programme will be:

set out in writing in the Client’s Purchase Agreement or a written schedule provided to the Client at or before enrolment; and/or
communicated to the Client in writing via the Community Hub, email, or such other written channel as SOT may elect, no later than 30 days after the Commencement Date.

SOT will not alter the Required Levels to the detriment of a Client after the Commencement Date of that Client’s qualifying period without providing the Client with at least 30 days’ written notice and a reasonable opportunity to achieve the revised levels.

2.3 Eligible Programmes

The Rewards Rebate is available on selected Performance Academy programme tiers only. Eligibility is confirmed explicitly in the signed Purchase Agreement. The Programme does not apply to:

Performance Lab (Prop Firm Evaluation or Simulated Funding) fees;
Advanced Trade Tech subscriptions;
any stand-alone coaching, consulting, or one-off session fees.

3. THE REBATE AMOUNT

💰 REBATE = Total qualifying course price paid directly to SOT — Finance charges and admin fees are EXCLUDED

3.1 Upfront (Lump Sum) Payment

If you paid for your eligible programme in full by upfront lump sum, your Rebate will equal the total amount paid directly to SOT for that programme (excluding any bank charges or payment processing fees deducted at the time of payment).

3.2 Monthly Instalment Plan

If you are on a monthly instalment plan, your Rebate will equal the cumulative sum of all monthly instalments paid directly to SOT over the 12-month qualification period.

Expressly excluded from the Rebate calculation:

interest charged by CT-International Financiers or any other financier;
credit arrangement fees, administration fees, or credit life insurance premiums charged by a financier;
bank return charges, debit order return fees, or card processing charges;
any other charges not forming part of the core course price paid to SOT.

4. THE 12-MONTH QUALIFICATION PERIOD

The qualification period is 12 (twelve) consecutive calendar months, commencing on the Commencement Date as defined in the Client’s Purchase Agreement.

“Consecutive” means the 12 months must run without a disqualifying interruption as described in Section 6. The Rebate is not pro-rated: a qualifying period that is interrupted and restarted begins again from zero.

5. REBATE PAYMENT DATE — MONTH 13

Subject to the Client satisfying all eligibility criteria, SOT will process and pay the Rebate on or before the end of Month 13, being the calendar month immediately following the completion of the 12-month qualification period (“the Rebate Payment Date”).

Commencement Date (example)	1 June 2025
End of 12-Month Qualification	31 May 2026
Rebate Payment Month (Month 13)	June 2026
Latest Rebate Payment Date	On or before 30 June 2026

6. MISSED PAYMENTS — MONTHLY INSTALMENT PLANS

6.1 The 21-Day Cure Period

If a scheduled monthly instalment is missed, returned unpaid, or not received by SOT by the due date, the following applies:

SOT will notify the Client of the missed payment within 3 Business Days of the due date;
the Client has 21 (twenty-one) consecutive calendar days from the original due date to pay the missed instalment in full (“the Cure Period”);
if the missed instalment is paid in full within the Cure Period, the Client’s 12-month qualification period continues uninterrupted and the Rebate entitlement is not affected.

6.2 Restart of Qualification Period

If a missed instalment is NOT recovered and paid in full within the 21-day Cure Period:

the Client’s 12-month qualification period will RESTART from the date on which the next successful payment is received by SOT;
all months accrued in the original qualification period are forfeited — they do not carry over to the restarted period;
the new Rebate Payment Date becomes Month 13 from the restart date.

6.3 Repeat Missed Payments

If a Client misses more than 2 (two) payments in any rolling 12-month period (whether or not recovered within the Cure Period), SOT reserves the right, at its sole and reasonable discretion, to:

disqualify the Client from the Programme; and/or
require full settlement of the outstanding Agreement Amount as a condition of reinstatement.

SOT will provide the Client with written notice of any disqualification.

6.4 Finance Agreements

Where the programme is financed through CT-International Financiers or another financier, the Client’s obligations to the financier are separate from their obligations to SOT. A payment made to the financier does not substitute for a payment to SOT. The Client must ensure SOT receives the agreed monthly instalment irrespective of any finance arrangement.

7. HOW YOUR REBATE IS PAID

Rebates are paid by electronic fund transfer (EFT) to the Client’s nominated South African bank account. To receive your Rebate:

you must submit your valid South African bank account details to SOT in writing to info@smartonlinetrader.com with the subject line “REWARDS REBATE — BANKING DETAILS” at least 30 days before your Rebate Payment Date;
SOT will not be liable for any delay or non-payment of the Rebate caused by the Client’s failure to provide banking details or the provision of incorrect or outdated banking details;
the Rebate will be paid in South African Rand (ZAR);
a reasonable verification process may be required before payment is released.

8. TAX OBLIGATIONS

The Client is solely responsible for determining and satisfying all tax obligations that may arise from receiving the Rebate, including any obligations to declare the Rebate to the South African Revenue Service (SARS). SOT does not provide tax advice. SOT recommends that each Client consult a qualified tax practitioner regarding the tax treatment of the Rebate in their specific circumstances. SOT may be required to report payments to SARS where required by applicable tax law.

9. THE REBATE IS NON-TRANSFERABLE

The Rewards Rebate is personal to the enrolled Client and:

may NOT be transferred, ceded, sold, pledged, or assigned to any third party;
is not inheritable and does not pass to any estate or successor;
must be taken as a cash payment and cannot be converted to a credit against other SOT purchases.

10. FORFEITURE

The Client will forfeit the Rebate entirely (without compensation) if, at any time before or on the Rebate Payment Date, any of the following apply:

the Client has cancelled the programme or Purchase Agreement after the expiry of the 5-business-day Cooling-Off Period;
the Client’s account has been suspended or terminated for breach of the Terms and Conditions of Purchase or any other SOT agreement;
the Client is in arrears on any payment obligation to SOT on the Rebate Payment Date;
the Client has failed to achieve the Required Levels by the Rebate Payment Date;
the Client has been disqualified under clause 6.3 (repeat missed payments);
the qualification period has been restarted and the new 12-month period has not yet been completed by the Rebate Payment Date.

11. SOT’S RIGHT TO AMEND THE PROGRAMME

SOT reserves the right to amend, suspend, or discontinue the Rewards Rebate Programme at any time, subject to the following mandatory protections for existing qualified Members:

Active Clients who have commenced a qualifying period will receive no less than 30 days’ written notice of any material amendment that adversely affects their accrued entitlement;
Clients who have fully satisfied all eligibility criteria and whose Rebate Payment Date has been triggered are not adversely affected by any subsequent Programme changes;
SOT will not unilaterally reduce or eliminate an accrued Rebate entitlement without either providing the affected Client with the Rebate owed to date or offering a fair alternative arrangement acceptable to the Client.

12. GENERAL TERMS

These Rewards Rebate Programme Terms are supplementary to and incorporated into the Terms and Conditions of Purchase. In the event of any conflict, the Terms and Conditions of Purchase shall prevail.
These terms are governed by the laws of the Republic of South Africa. The Client’s statutory rights under the CPA, 68 of 2008, are fully preserved.
Any dispute regarding the Programme or a Rebate payment shall be resolved in accordance with SOT’s Complaints and Dispute Resolution Procedure.
SOT’s determination of eligibility and qualification, made in good faith and in accordance with these terms, is final, subject to the Client’s rights under the CPA.
If any provision of these terms is found invalid or unenforceable, the remaining provisions continue in full force.

13. CONTACT

Rebate Enquiries	info@smartonlinetrader.com
Subject Line	REWARDS REBATE ENQUIRY — [Your Full Name]
Support	helpme@smartonlinetrader.com
Telephone	(+27) 010 753 2460
Address	Manhattan Park, 16 Pieter Street, Highveld Techno Park, Centurion, Gauteng, 0169