This is the rule according to Cambridge too:
To express an alternative, we can use or not with if and whether. With whether we can use or not immediately after whether or in end position. With if we use or not in end position only:
e.g.
I called Bill to find out whether or not he really did go to
Afghanistan.
I called Bill to find out whether he really did go to Afghanistan or
not.
I called Bill to find out if he really did go to Afghanistan or not.
But people do use if not erroneously, sometimes just because they don't know the rule:
the phrase “whether or not”, as in “I was wondering whether or not you
would come” is okay, but “if or not” in the same context seems not
okay - google searches bring up 100 million hits for the first phrase,
but just 15,000 for the second. This came up in a class I was in, and
I was surprised because I do use “if or not” in informal speech (painintheenglish)
I am surprised even NGram finds instances of if or not. I'd recommend you avoid it though, it's not good English.
Here is what Macmillan says:
Use whether, but not if, immediately before ‘or not’:
- The question is whether or not the government has the right to interfere.
So there you go. The answer is pretty much what @Hot Licks commented: "Because English!"