IMPORTANT — HOW TO READ THESE TERMS: These Terms apply primarily to customers located in the United States. Sections marked with a geographic flag (EEA / UK / CANADA / AUSTRALIA) apply only to customers in those regions. BY PURCHASING, ACCESSING, OPENING, DOWNLOADING, VIEWING, SUBSCRIBING, OR USING ANY PRODUCT OR SERVICE ON REALGUARD.ORG, YOU AGREE TO THESE TERMS IN THEIR ENTIRETY.
These Terms and Conditions ("Terms") constitute a legally binding agreement between World Training Centre, LLC ("Company," "WTC," "We," "Us," or "Our"), a Delaware Limited Liability Company operating the website realguard.org, and the purchasing individual or entity ("Customer," "You," or "User"). realguard.org is a trading name operated exclusively by World Training Centre, LLC. No separate legal entity exists under this trading name.
Company products and services are designed for and directed at business customers and professional or individual users acting in the course of their trade, business, profession, or personal development. REALGUARD™ products are directed specifically at licensed real estate agents, brokers, and real estate offices acting in a professional capacity.
EEA, UK, AND CANADA CUSTOMERS: If you are located in the EEA, UK, or Canada and are purchasing as an individual consumer (not in a professional capacity), additional mandatory rights may apply that cannot be excluded by contract. These rights are preserved under Article 12.
These Terms apply to all products and services sold, distributed, licensed, accessed, downloaded, or made available through realguard.org, including but not limited to:
Products are sold through the Company website or authorized distribution platforms such as Payhip (with underlying payment processing via Stripe, PayPal, or similar processors as displayed at checkout).
By completing a purchase, creating an account, subscribing, downloading, opening, viewing, attending, using, or otherwise accessing any Company product or service, the Customer acknowledges having read, understood, and agreed to these Terms in their entirety. If You do not agree, You must not purchase, download, access, or use any Company product or service.
All Company materials are designed for general professional or personal education and informational purposes only. They are intended to help users understand the subject matter as a learning tool and are not tailored to any specific individual's or brokerage's situation.
World Training Centre, LLC is an independent private company. It has no affiliation with, is not endorsed by, is not supervised by, and does not represent FinCEN, HUD, the National Association of Realtors (NAR), any state real estate commission, or any other governmental authority, regulatory body, professional licensing authority, or official association.
Nothing in any course, newsletter, report, template, webinar, or communication shall be construed as legal, tax, accounting, financial, investment, or regulatory compliance advice for any specific situation. Customers must seek independent advice from a licensed attorney or qualified professional before making decisions regarding their AML, Fair Housing, or CSR compliance obligations.
No purchase, subscription, email exchange, webinar participation, training attendance, certificate, communication, download, or interaction with the Company creates an attorney-client relationship, fiduciary relationship, consulting agreement, or professional representation agreement.
Completion of any program, certificate, designation, badge, pathway, or educational module — including the REALGUARD™ Certified Compliance Professional (RCCP) certificate — does not constitute governmental accreditation, legal authorization, professional licensing, regulatory approval, or recognition by FinCEN, HUD, any state real estate commission, or any other governmental authority. Certificates of completion are records of educational participation only.
REALGUARD™ Certified Compliance Professional (RCCP) certificates are issued by World Training Centre, LLC upon successful completion of the corresponding program. Completed certificates are attested by I.D.E.A.L. INTERNATIONAL. This attestation is an independent act of the attesting organization and does NOT constitute governmental recognition, approval, accreditation, licensing, or official endorsement by any authority. Customers must not represent the certificate or attestation as an official governmental, regulatory, licensing, or intergovernmental credential.
The Company does not guarantee legal compliance, regulatory approval, avoidance of FinCEN or HUD enforcement action, business profitability, business success, employment opportunities, licensing approval, certificate recognition, customer acquisition, revenue generation, or any particular business, legal, financial, regulatory, or commercial outcome.
Customers are solely responsible for independently verifying all laws, regulations, facts, figures, and developments — including current FinCEN, HUD, and state-level requirements — before relying upon any information contained in Company materials.
All prices are displayed in U.S. Dollars (USD) unless otherwise stated. Prices are subject to change at any time, including at the end of any promotional or launch pricing period. The applicable price is the price displayed at checkout at the time of purchase.
EEA AND UK CUSTOMERS: Prices displayed to EEA and UK customers at checkout include or clearly indicate any applicable VAT or digital services tax where required by law.
Payment may be accepted through Payhip (with underlying payment processing via Stripe, PayPal, or similar processors as displayed at checkout), or other payment methods displayed at checkout. The Company does not store payment card data; transactions are processed by independent third-party payment processors.
Customers are responsible for any sales tax, VAT, GST, use tax, withholding tax, customs duty, or other tax obligations applicable to their purchase, jurisdiction, or business activity, unless such tax is collected directly at checkout by the Company or a third-party platform.
CANADA CUSTOMERS: Canadian customers may be subject to GST/HST on digital services. Quebec customers may also be subject to QST.
Purchases made through third-party platforms may also be governed by those platforms' terms, refund policies, privacy policies, payment rules, and dispute procedures. In case of conflict, the more restrictive rule shall apply to the maximum extent permitted by law.
All digital products are delivered through email download links, account access, membership platforms, course platforms, or authorized delivery platforms. Delivery is typically immediate upon confirmed payment, but may be delayed by payment verification, technical issues, incorrect customer information, or third-party platform processing.
The Company and/or its authorized platforms may automatically record purchase transactions, customer information, order details, and access/download events. Such logs constitute evidence of digital delivery and may be retained for at least seven (7) years for tax, accounting, dispute resolution, and legal compliance purposes.
Accessing, opening, downloading, viewing, printing, saving, copying, forwarding, streaming, logging into, activating, or otherwise accessing any digital content constitutes complete delivery and full performance of the transaction.
Upon purchase, the Company grants the Customer a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the purchased materials solely for personal learning or internal professional development purposes, unless a separate written Team License or enterprise license agreement expressly provides otherwise. No ownership rights are transferred.
AI PROHIBITION: Company materials — including all digital content, newsletters, templates, and training modules — may NOT be used, in whole or in part, to train, fine-tune, prompt, index, embed, vectorize, retrieve, or otherwise feed any artificial intelligence system, machine learning model, LLM, or generative AI system, without prior express written consent from World Training Centre, LLC. Unauthorized AI ingestion constitutes a material breach of license, potential copyright infringement, and grounds for civil action. AI licensing inquiries: legal@worldtrainingcentre.com, subject 'AI LICENSE INQUIRY'.
ALL SALES FINAL AFTER ACCESS: ALL SALES ARE FINAL ONCE DIGITAL CONTENT HAS BEEN ACCESSED, OPENED, DOWNLOADED, VIEWED, STREAMED, PRINTED, SAVED, COPIED, FORWARDED, OR OTHERWISE DELIVERED.
Due to the immediate delivery of proprietary digital content and the inability to return or unlearn accessed digital materials, the Company applies a strict no-refund policy after access, where clearly disclosed as permitted under applicable law. The 30-day guarantee advertised on the sales page operates as set out in Sections 5.2 and 5.3 below.
If a Customer has completed a purchase but has not accessed any digital content, the Customer may request a refund within forty-eight (48) hours of purchase by contacting legal@worldtrainingcentre.com with subject line 'REFUND REQUEST — [Order #]'. Approved refunds are processed within ten (10) business days.
After access, and consistent with the 30-day money-back guarantee advertised for the REALGUARD™ Individual Certification and Team License, a refund may be considered within thirty (30) days of purchase AND if: (a) the product was not delivered despite confirmed payment; OR (b) the product materially differs from its description; OR (c) the product contains a material, objectively verifiable factual error, identified with specificity.
Dissatisfaction, change of mind, failure to use the product, failure to pass the certification exam after the included retake, lack of results, subjective evaluation of value, inability to implement the material, or requests submitted more than 30 days after purchase.
EEA CUSTOMERS (Directive 2011/83/EU): 14-day statutory withdrawal right. By requesting immediate access, you expressly waive this right once content is made available. This waiver is recorded at checkout.
UK CUSTOMERS (Consumer Contracts Regulations 2013): Same 14-day right, same waiver mechanism upon immediate access.
AUSTRALIA CUSTOMERS: Australian Consumer Law provides statutory guarantees that cannot be excluded. Nothing in these Terms excludes, restricts, or modifies any right under the ACL.
CANADA CUSTOMERS: Consumer protection rules vary by province; this policy complies with mandatory minimums where applicable. Quebec: Consumer Protection Act (CQLR c P-40.1) may grant specific rights.
Customers agree to contact legal@worldtrainingcentre.com and allow at least ten (10) business days for review before initiating any chargeback. The Company may contest chargebacks with delivery logs, IP records, and access evidence. Abusive chargebacks may result in account termination and legal action.
The REALGUARD™ Newsletter provides access to periodic compliance content as described at the time of purchase, whether purchased as a standalone annual subscription or included as a five (5)-year bundled benefit with the Individual Certification or Team License.
The Company may modify topics, delivery dates, format, length, or frequency when reasonably necessary. Such modifications do not constitute non-delivery if the overall purchased service remains substantially available.
If the Company discontinues the newsletter during a paid term (including the 5-year bundled period), it will provide at least thirty (30) days' notice and, at its election: continue equivalent content, offer a pro-rata credit, or issue a pro-rata refund.
Newsletter access does not include monitoring of the Customer's individual business, transactions, or compliance program, or providing individualized professional analysis.
All materials, graphics, logos, trademarks (including REALGUARD™), certificates, videos, course structure, and written content are the exclusive intellectual property of the Company or its licensors, protected by U.S. copyright, trademark, and trade secret law, and international treaties including the Berne Convention.
Unauthorized reproduction, redistribution, resale, sharing, publication, or commercial exploitation is strictly prohibited and may constitute infringement under applicable law.
Unauthorized use may result in license termination, civil litigation, injunctive relief, statutory and actual damages, and attorneys' fees where permitted. The Company may submit DMCA takedown notices and platform complaints against unauthorized copies.
The Company seeks to comply with applicable federal and state privacy obligations, including CAN-SPAM and COPPA. The full Privacy Policy is available at realguard.org/privacy.
Name, email, billing information, country, IP address, purchase records, delivery/access logs, and communications may be collected by the Company and its authorized processors.
Purchase, delivery, access, accounting, tax, and dispute records may be retained for at least seven (7) years or longer where required or permitted by law.
The Company does not sell, rent, or trade personal information for third parties' independent marketing purposes.
Commercial emails include sender identification, physical address (2810 N Church St, Wilmington, Delaware 19802-4447), and an unsubscribe mechanism, processed within ten (10) business days.
EEA AND UK — GDPR / UK GDPR: Legal bases: contract performance, legitimate interests, consent. Data subject rights: access, rectification, erasure, restriction, portability, objection — contact legal@worldtrainingcentre.com, subject 'GDPR REQUEST — [Country]'. Complaints: your national supervisory authority.
CANADA — CASL AND PIPEDA: Commercial emails comply with CASL. Opt-out: legal@worldtrainingcentre.com, subject 'CASL UNSUBSCRIBE'.
Products are intended for adults 18+. The Company does not knowingly collect personal information from children under 13 (or 16 for EEA customers under GDPR).
Customers agree to use Company materials only for lawful purposes and in accordance with these Terms.
The Customer is solely responsible for evaluating, implementing, and maintaining any decision, policy, or compliance process based on qualified professional advice and applicable law.
Customers acknowledge that they do not rely upon any statement, example, or educational material as a substitute for professional advice.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL PRODUCTS ARE PROVIDED 'AS IS' AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR LOST PROFITS, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM THE PURCHASE, ACCESS, OR USE OF COMPANY MATERIALS.
EEA, UK, AUSTRALIA CUSTOMERS: Where certain warranties or liability limitations cannot be excluded by law, they apply only to the maximum extent permitted. Non-waivable statutory rights are not affected.
IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF WORLD TRAINING CENTRE, LLC EXCEED THE AMOUNT ACTUALLY PAID BY THE CUSTOMER FOR THE SPECIFIC PRODUCT GIVING RISE TO THE CLAIM.
The Customer acknowledges that pricing reflects the disclaimers and limitations in these Terms, and the Company would not offer products at stated prices without them.
For U.S. customers, these Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.
EEA CUSTOMERS: Mandatory consumer protection laws of your country of residence apply and cannot be excluded by choice of Delaware law. EU ODR platform: ec.europa.eu/consumers/odr.
UK CUSTOMERS: Mandatory provisions of English law, including the Consumer Rights Act 2015, apply to the extent they provide greater protection.
Before any arbitration or lawsuit, the Customer agrees to contact legal@worldtrainingcentre.com and allow at least thirty (30) days for good-faith informal resolution.
Disputes shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA), conducted in Delaware or by videoconference.
Each party waives any right to a jury trial. No class action, collective action, or mass arbitration is permitted, to the maximum extent permitted by law.
The Company may seek injunctive relief or IP enforcement in any court of competent jurisdiction notwithstanding the arbitration clause.
Customers outside the United States acknowledge that local laws on consumer rights, digital content, refunds, privacy, and taxes may differ from Delaware law.
International Customers are solely responsible for ensuring their purchase and use of Company materials comply with local law.
Nothing in these Terms excludes non-waivable rights under applicable mandatory consumer law.
Enterprise licenses, including the REALGUARD™ Team License (up to 10 agents) and any custom Brokerage License, are governed by a separate written enterprise license agreement in addition to these Terms. In case of conflict, the enterprise license agreement governs. Enterprise inquiries: legal@worldtrainingcentre.com, subject 'ENTERPRISE LICENSE INQUIRY'.
If any provision is found invalid or unenforceable, the remaining provisions remain in full force and effect.
Failure to enforce any provision shall not be deemed a waiver of that provision.
The Company may amend these Terms at any time by posting updated Terms on realguard.org. Continued use after posting constitutes acceptance. Material changes will be notified by email or website notice where practicable.
The Customer may not assign rights or obligations without prior written consent. The Company may assign these Terms in connection with a merger, acquisition, or sale of assets.
These Terms, together with applicable product descriptions, order confirmations, and platform terms, constitute the entire agreement between the Customer and the Company.
Headings are for convenience only and do not affect interpretation.
Company: World Training Centre, LLC — A Delaware Limited Liability Company
Physical Address (CAN-SPAM): 2810 N Church St, Wilmington, Delaware 19802-4447
Website: realguard.org
Legal Inquiries: legal@worldtrainingcentre.com — Subject: LEGAL — TERMS INQUIRY
Privacy / GDPR: legal@worldtrainingcentre.com — Subject: PRIVACY REQUEST — [State/Country]
Refund Requests: legal@worldtrainingcentre.com — Subject: REFUND REQUEST — [Order #]
AI License Inquiries: legal@worldtrainingcentre.com — Subject: AI LICENSE INQUIRY
Enterprise License: legal@worldtrainingcentre.com — Subject: ENTERPRISE LICENSE INQUIRY
EU ODR Platform: ec.europa.eu/consumers/odr
BY COMPLETING A PURCHASE, SUBSCRIBING, DOWNLOADING, OPENING, ACCESSING, VIEWING, OR USING ANY PRODUCT OR SERVICE ON REALGUARD.ORG, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS AND CONDITIONS VERSION 1.0, INCLUDING ALL GEO-CONDITIONAL PROVISIONS APPLICABLE TO YOUR JURISDICTION.
Version 1.0 — Effective Date: August 1, 2026 | Last Updated: August 1, 2026
World Training Centre, LLC | realguard.org | Delaware, USA