Real Advantage Institute              

Privacy and Document Retention Policy:

Real Advantage Institute – New York State Approved Real Estate and Mortgage School

Effective Date: January 1, 2026

Privacy and Information Protection Policy:

Real Advantage Institute is committed to protecting the privacy and confidentiality of student and prospective student information. This Privacy Policy explains how we collect, use, store, and protect your personal information.

By enrolling in our courses, contacting our institution, or using our services, you consent to the practices described in this policy.

Information We Collect:

We may collect personal information necessary to provide educational services, including:

    •    Full name
    •    Address
    •    Email address
    •    Telephone number
    •    Date of birth
    •    Licensing identification numbers (if applicable)
    •    Payment information
    •    Course enrollment records
    •    Academic performance and completion records

This information is collected solely for legitimate educational, administrative, regulatory, and operational purposes.

How Your Information Is Used:

Your information may be used to:

    •    Process course registrations and enrollments
    •    Maintain student academic records
    •    Issue course completion certificates
    •    Communicate important course and licensing information
    •    Comply with New York State Department of State (DOS) requirements
    •    Comply with Nationwide Multistate Licensing System (NMLS) requirements
    •    Provide student support services
    •    Improve educational programs and institutional quality

Real Advantage Institute does not sell, rent, or distribute your personal information to unauthorized third parties.

Disclosure to Third Parties:

Your personal information may be disclosed only under the following circumstances:
    •    To regulatory agencies, including New York State Department of State (DOS), NMLS, or other                            licensing authorities as required by law
    •    To authorized service providers assisting with course delivery, technology, or administrative support
    •    To affiliated entities operating under common ownership or management, solely for legitimate                         educational and administrative purposes
    •    When required by law, subpoena, or legal process

All authorized service providers are required to maintain strict confidentiality and protect your information.

Protection of Financial and Sensitive Information:

Real Advantage Institute maintains safeguards to protect sensitive information, including:

    •    Secure administrative systems
    •    Controlled access to student records
    •    Encryption of financial and payment information
    •    Restricted access to Social Security numbers and licensing identifiers

Sensitive information is accessible only to authorized personnel for legitimate business and regulatory purposes.

Document Retention Policy:

Student records may be retained indefinitely for the following purposes:

    •    Regulatory compliance
    •    Licensing verification
    •    Academic transcript and certificate verification
    •    Institutional recordkeeping

Real Advantage Institute reserves the right to retain or dispose of records in accordance with applicable federal and New York State regulations. This policy remains in effect even after a student is no longer enrolled.

Institutional Mission and Professional Commitment:

Real Advantage Institute is a community-focused educational institution dedicated to:

    •    Preparing individuals for careers in real estate and mortgage finance
    •    Supporting ethical, compliant, and professional practice
    •    Promoting career advancement and professional development
    •    Strengthening communities through education and homeownership opportunity

We are committed to helping individuals build meaningful careers while serving their communities with professionalism and integrity.

Student Conduct Policy:

Real Advantage Institute is committed to providing a professional, respectful, and productive learning environment.

All students are expected to:

    •    Treat instructors, staff, and fellow students with respect
    •    Maintain professional conduct during all classes and communications
    •    Participate in courses in good faith
    •    Follow institutional policies and procedures

The following behaviors are prohibited:

    •    Disruptive classroom behavior
    •    Harassment or bullying
    •    Threatening or abusive conduct
    •    Interference with instruction or learning

Real Advantage Institute reserves the right to remove or dismiss any student whose conduct disrupts the educational environment.

More Information

Compliance with Regulatory Authorities

Real Advantage Institute operates in compliance with applicable regulatory agencies, including:
 

New York State Department of State (DOS)
 Nationwide Multistate Licensing System (NMLS)
 Conference of State Bank Supervisors (CSBS)
Applicable federal and New York State laws governing education and privacy

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Student Conduct. 

REAL ADVANTAGE INSTITUTE is committed to provide real estate education to learners. It is also expected that all students will treat the learning environment, our business office, and staff with good conduct and with respect for others. Any classroom bullying, or disruptive behaviors will not be tolerated.