Welcome to babylonmi.com. These Terms of Service govern your access to our online platform, property research tools, educational guides, and consultation request features operated by Babylon Realty dba and the Sajjad Qureshi Agency.
Last Updated: March 2025•Governing Jurisdiction: State of Michigan (Wayne County)•Equal Housing Opportunity
RESPA Compliance & Dual Business Disclosure
Consumer Protection
Babylon Realty (Qureshi Real Estate Agency LLC) and Qureshi Insurance Agency LLC / Sajjad Qureshi (Farmers Insurance) are separate and independent business entities. Under the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2607:
No real estate client is required, conditioned, or obligated to obtain insurance through Farmers Insurance. No insurance policyholder is required to retain Babylon Realty for real estate representation. There are no required package deals, no tie-ins, no referral fees, and no quid pro quo fee splitting between real estate transactions and insurance coverage. Clients retain complete freedom of choice for all settlement providers.
By accessing or browsing babylonmi.com, submitting appointment or quotation requests, or utilizing any of our resource guides and calculators, you signify your agreement to these Terms of Service and our Privacy Policy. If you do not agree to these terms in their entirety, you should discontinue use of this website immediately.
2
Business Structure & Regulatory Licensing
The services presented on this website encompass two distinct professional entities operated under Michigan regulatory authorities:
Real Estate Brokerage Services: Babylon Realty dba is an active, licensed real estate brokerage in the State of Michigan regulated by the Department of Licensing and Regulatory Affairs (LARA). Managing Broker: Sajjad Qureshi. Brokerage office: 32190 Schoolcraft, Livonia, MI 48150.
Insurance Agency Services: Sajjad Qureshi is an independent contractor insurance agent licensed by the Michigan Department of Insurance and Financial Services (DIFS) to write Property, Casualty, and Life Insurance, proudly representing Farmers Insurance with an active portfolio exceeding $1M+ across Michigan.
3
Informational Purpose & Non-Binding Inquiries
The tools, forms, and calculators on babylonmi.com are provided for exploratory consumer convenience and informational consultation scheduling:
A. No Real Estate Agency Relationship Created Online
Submitting an inquiry, requesting a property showing, or asking for a home valuation does not create a fiduciary or agency relationship between you and Babylon Realty dba. Under Michigan real estate law (MCL 339.2517), a formal agency relationship (e.g., Buyer Broker Agreement or Exclusive Right to Sell Listing Agreement) is established solely upon the execution of a written agreement signed by both the consumer and the broker.
B. No Insurance Coverage Bound Via Website Forms
Form submissions, quote requests, and estimated rate ranges presented on this website serve strictly as appointment requests and preliminary quote reviews. Insurance coverage cannot be bound, altered, endorsed, or cancelled via website form submission. Official insurance coverage is bound only upon formal underwriting review, receipt of applicable motor vehicle records (MVR) and claim reports (C.L.U.E.), formal application execution, payment of binder premium, and official policy issuance through authorized Farmers Insurance systems.
4
Equal Housing Opportunity & Fair Housing
Fair Housing Commitment
Babylon Realty and Sajjad Qureshi are fully committed to the letter and spirit of the Fair Housing Act (Title VIII of the Civil Rights Act of 1968) and the Michigan Elliott-Larsen Civil Rights Act. We conduct all real estate marketing, client consultations, and transaction management without regard to race, color, religion, sex, disability or handicap, familial status, national origin, age, marital status, or any other protected classification under federal, state, or municipal law.
5
Property Listings, Market Data & MLS Disclaimers
Property listings, sold transaction histories, market pricing indices, school boundary guides, and tax figures displayed on this website or linked via Sajjad Qureshi's verified transaction profiles (including Zillow, Realcomp MLS, and public county records) are deemed reliable from trusted sources, but are not guaranteed or warranted.
Independent Verification Required: Square footages, lot dimensions, room sizes, property tax assessments, HOA covenants, and school district assignments are subject to change and should be independently verified through licensed home inspectors, certified appraisers, municipal tax assessors, and title search agents.
No Appraisal or Legal Opinion: Online estimates and market guide analyses are comparative market assessments, not formal certified bank appraisals, legal opinions, or certified engineering inspections.
When completing our consultation form, you select your Preferred Method of Contact (Text, Email, or Phone number). By submitting your contact details:
You authorize Sajjad Qureshi and Babylon Realty to contact you directly using your designated preference regarding your specific real estate or insurance inquiry.
Text Messaging (SMS): Standard message and data rates may apply. Frequency varies depending on your transaction milestones. You may reply STOP at any time to opt out of SMS messaging. For help, reply HELP.
Zero Spam / Zero Robocalls: We do not use automated robocalling networks, mass dialers, or third-party telemarketing companies. Your communications are one-on-one with our local Michigan office.
7
Permitted & Acceptable Use
babylonmi.com is made available for your personal, non-commercial use in researching Southeast Michigan real estate opportunities and exploring insurance coverage. You agree not to:
Scrape, crawl, harvest, or extract data, articles, listings, or code using automated bots, spiders, or scrapers without express written consent.
Submit fictitious, fraudulent, or deceptive contact details, or impersonate any individual or entity.
Interfere with or disrupt the security, servers, network infrastructure, or API endpoints of the website.
Use information obtained from this platform to engage in unlawful harassment or unsolicited commercial solicitation.
8
Intellectual Property Rights
All text, educational guide articles, graphics, logos, layouts, design elements, and custom code on babylonmi.com are the proprietary property of Babylon Realty dba, protected under United States and international copyright and trademark laws.
"Farmers" and associated insurance logos are registered trademarks of Farmers Group, Inc. and are used herein under official independent agency contract by Sajjad Qureshi.
9
Disclaimer of Warranties & Limitation of Liability
This website and all information, guides, tools, and content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
To the maximum extent permissible under Michigan law, Babylon Realty dba, the Sajjad Qureshi Agency, its broker, and employees disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement. Under no circumstances will Babylon Realty or Sajjad Qureshi be liable for indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, this website or reliance upon any content herein.
10
Governing Law & Exclusive Jurisdiction
These Terms of Service, their interpretation, and any disputes arising out of your access to or use of babylonmi.com are governed exclusively by the substantive laws of the State of Michigan, without regard to conflict of law principles.
You agree that any legal action, dispute, or proceeding arising under these Terms shall be instituted exclusively in the state or federal courts situated in Wayne County, Michigan, and you submit to the personal jurisdiction and venue of such courts.
Contact Managing Broker Sajjad Qureshi directly for open, transparent guidance on buying, selling, or securing insurance coverage across Southeast Michigan.