1
Entity Structure & Scope of Policy
This Privacy Policy applies to the website babylonmi.com and all related consumer consultation channels operated by:
- Babylon Realty dba: A licensed real estate brokerage in the State of Michigan under the Department of Licensing and Regulatory Affairs (LARA). Managing Broker: Sajjad Qureshi. Office: 32190 Schoolcraft, Livonia, MI 48150.
- Qureshi Insurance Agency LLC / Sajjad Qureshi (Farmers Insurance): An independent contractor insurance agency representing Farmers Insurance, licensed for Property, Casualty, and Life Insurance across the State of Michigan.
This policy outlines how we collect, safeguard, and utilize information provided through online contact forms, quotation requests, telephone calls, text messages, and direct office consultations.
2
Information We Collect
We collect information solely to provide personalized, professional real estate brokerage and insurance consultation services that you directly request.
A. Directly Provided Contact & Transaction Details
When you submit an appointment request, contact form, or quote request on Babylon Realty, you provide:
- Personal Identification: Full name, telephone number, and email address.
- Contact Preferences: Your explicit preferred method of contact (Text, Email, or Phone number) and preferred consultation timing.
- Real Estate Criteria: Property address (for sellers requesting a Comparative Market Analysis), target purchasing cities or counties (Wayne, Oakland, Macomb), estimated price range, timeline to move, and financing or pre-approval status.
- Insurance Consultation Details (Optional Fast-Track): For clients seeking an expedited insurance quote, optional details including vehicle year/make/model, driver history, current homeowner/auto policy expiration dates, and desired coverage limits.
B. Technical & Non-Personal Data
When navigating babylonmi.com, our secure hosting servers log standard non-personally identifiable technical metrics, including browser type, operating system, pages viewed, referring URLs, and timestamp data. This information is used strictly for server health, network security, and website optimization. We do not employ intrusive behavioral tracking or third-party advertising cookies that follow you across the internet.
3
How We Use Your Information
Information collected through Babylon Realty is utilized exclusively for legitimate business purposes connected directly to your consultation:
- Personalized Consultations: Delivering comprehensive real estate advice, comparative property valuations, neighborhood analyses, and market comps.
- Official Insurance Quoting: Reviewing risk profiles and preparing tailored insurance quotes via authorized Farmers Insurance rating and underwriting systems.
- Direct Communications: Contacting you via your selected preferred contact channel (Text, Email, or Phone) to confirm appointments, answer questions, or provide requested market documents.
- Regulatory Compliance: Complying with Michigan Department of Licensing and Regulatory Affairs (LARA) record retention rules and Michigan Department of Insurance and Financial Services (DIFS) requirements.
4
Telephone Consumer Protection Act (TCPA) & Communications Policy
We respect your communication preferences and your time. In full compliance with the federal Telephone Consumer Protection Act (TCPA) and federal Do-Not-Call regulations:
Preferred Method of Contact Honor System:
On our consultation form, you designate your preferred method of communication: Text, Email, or Phone number. We instruct our staff to honor this choice as the primary outreach method.
By submitting your phone number and selecting Text or Phone, you provide express written consent for Sajjad Qureshi or authorized office representatives of Babylon Realty and the Sajjad Qureshi Agency to contact you regarding your inquiry.
- No Automated Robocalls: You will not receive pre-recorded telemarketing blasts, artificial voice systems, or third-party sales calls.
- Text Message (SMS) Terms: Message and data rates may apply. Frequency varies based on active property viewings or underwriting progress.
- Immediate Opt-Out: You may opt out of text messaging at any time simply by replying STOP to any text message received. For support, reply HELP or email sam@babylonmi.com.
- No Condition of Purchase: Consent to receive text messages or phone calls is never a condition of purchasing any real estate, securing a mortgage, or buying insurance coverage.
5
RESPA Compliance & Entity Separation
Under the federal Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2607, consumers are protected against unearned fees, kickbacks, and coercive cross-selling arrangements.
Strict Non-Bundling Guarantee:
Babylon Realty dba and the Sajjad Qureshi Agency (Farmers Insurance) are distinct, separate business entities. Real estate clients are under no obligation whatsoever to obtain insurance from Farmers Insurance, and insurance policyholders are under no obligation to retain Babylon Realty dba for real estate transactions.
There are no referral fees, required tie-ins, bundled transaction contingencies, or fee splits between the real estate brokerage and insurance operations. Your personal data is never transferred between entities without your affirmative instruction.
6
Data Security & Technical Safeguards
We implement comprehensive administrative, physical, and technical security safeguards to defend your personal information against unauthorized access, loss, misuse, or alteration:
- TLS/SSL Encryption: All data transmitted through our website forms is encrypted using modern Transport Layer Security (TLS 1.3) protocols.
- Encrypted Operational Storage: Consultation requests are stored within SOC 2 Type II certified enterprise infrastructure with role-based access controls.
- Restricted Access: Only licensed personnel and authorized office staff who require information to fulfill your service request have access to your personal contact details.
- No Payment Card Processing On-Site: We do not collect or store credit card numbers, bank account routing details, or Social Security numbers directly on this website.
7
Limited Operational Disclosures
While we never sell or rent consumer data, limited disclosures may occur strictly as required to fulfill the transactions you authorize:
- Farmers Insurance Corporate Underwriting: If you request an insurance quote or policy review, relevant vehicle, property, and driver metrics are transmitted into official Farmers Insurance rating portals to calculate binding premium rates.
- Authorized Real Estate Settlement Parties: During an active purchase or sale, contract documents containing your name and contact details are transmitted only to necessary settlement parties (e.g., Michigan-licensed title agencies, escrow agents, certified home inspectors, and mortgage lenders) at your direct instruction.
- Legal & Regulatory Mandates: We may disclose information if required to do so by a valid subpoena, court order, or formal regulatory audit by the Michigan Department of Licensing and Regulatory Affairs (LARA) or the Department of Insurance and Financial Services (DIFS).
8
Your Rights & Controlling Your Data
You maintain full control over the personal information you entrust to us. You have the right to:
- Review & Access: Request a summary of the personal contact details and consultation records on file with our office.
- Correct & Update: Modify inaccurate contact records, updated vehicle specs, or changed property details at any time.
- Request Deletion: Ask us to securely delete your consultation records from active contact lists (subject to statutory Michigan real estate record retention mandates for executed transactions).
- Modify Contact Preferences: Switch your preferred outreach channel from Text to Email or Phone at any time by contacting our office.
9
Children's Privacy Protection (COPPA)
In compliance with the Children's Online Privacy Protection Act (COPPA), babylonmi.com is designed for adults aged 18 and older seeking residential real estate, commercial brokerage, or insurance services. We do not knowingly solicit or collect personal information from individuals under the age of 18. If you believe a minor has submitted personal details through our website, please notify us immediately for prompt deletion.
10
Contacting Us Regarding Privacy Inquiries
For questions regarding this Privacy Policy, your consumer rights, or to submit a data update or deletion request, please contact our Managing Broker directly:
Babylon Realty (Babylon Realty dba) & Sajjad Qureshi Agency
Managing Broker / Agent: Sajjad Qureshi
Brokerage Office Address:32190 Schoolcraft, Livonia, MI 48150
Telephone: (248) 974-1447
Email: sam@babylonmi.com
Office Hours: Monday – Saturday: 8:30 AM – 6:30 PM | Sunday: By Appointment
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Whether you are buying a home, selling for top equity in Southeast Michigan, or seeking premium insurance coverage, your data remains 100% confidential.