GLBA & Michigan Insurance Data Security Act (PA 690) Compliant
Insurance Privacy Policy
At Qureshi Insurance Agency, LLC (Appointed Independent Agent of Farmers Insurance), we safeguard your nonpublic personal financial and insurance information with rigorous security standards. All information submitted to this portal is protected by AES-256 encryption at rest and TLS 1.3 in transit.
Last Updated: October 2026•Regulatory Authority: Michigan DIFS (Agency NPN #20382176)•Data Encryption: AES-256 at Rest / TLS 1.3 in Transit
Zero Data-Selling Pledge
Guaranteed
We never sell, rent, license, trade, or transfer your personal details, vehicle data, home inspection specs, claims history, or quote records to data brokers, third-party marketing networks, or external telemarketers under any circumstance.
Unlike online aggregator sites that distribute your phone number to dozens of unknown call centers, your inquiries on insurance.babylonmi.com are handled directly by Agent Sajjad "Sam" Qureshi and authorized licensed agency staff.
1. Legal Entity Scope & Regulatory Authority
This Privacy Policy applies specifically to insurance inquiries, quote applications, lender binder requests, and policy reviews conducted through insurance.babylonmi.com and operated by:
Agency Name: Qureshi Insurance Agency, LLC
Principal Agent: Sajjad "Sam" Qureshi
Regulator: Michigan Department of Insurance and Financial Services (DIFS)
To provide accurate Michigan insurance rate estimates, review coverage under Michigan's auto reform, and issue urgent closing binders to mortgage lenders, we collect nonpublic personal information (NPI) submitted voluntarily by you:
Contact Information: Full legal name, physical property address, telephone number, and email address.
Property Underwriting Data: Year built, square footage, construction type, roof age, sump pump backup details, finished basement status, and lender mortgage clause specifications.
Vehicle & Driver Details (Optional for Auto Quoting): Vehicle year, make, model, annual mileage, primary driver names, and selected Michigan PIP medical options.
Policy History: Current insurance carrier, policy expiration date, and target coverage deductibles.
*Note: We never ask for, collect, or store Social Security Numbers (SSN) through this public website. Driver license numbers and sensitive underwriting verifications are collected only through secure carrier portal channels.
3. How We Use Nonpublic Personal Information
Your information is utilized solely to deliver professional insurance agency advisory:
Transmitting underwriting rating parameters directly to Farmers Insurance Exchange rating engines to compute customized policy premiums and bundle discounts.
Drafting and delivering official proof of hazard insurance (insurance binders) directly to your designated title company and mortgage loan officer for real estate closings.
Scheduling one-on-one policy consultations with licensed Agent Sajjad "Sam" Qureshi.
Responding to your specific inquiries regarding Michigan No-Fault PIP medical tiers and flood/water backup endorsements.
4. Data Security Standards (PA 690 Compliance)
In strict compliance with the Michigan Insurance Data Security Act (Public Act 690 of 2018):
AES-256 Encryption at Rest: Consumer records stored in our backend database are encrypted using AES-256-GCM. HMAC-SHA-256 blind indexing prevents plain-text exposure in database queries.
TLS 1.3 in Transit: All data transmitted between your browser and our secure Cloudflare Worker backend is encrypted over modern TLS 1.3 protocol.
Access Controls: Only licensed insurance agency personnel with direct fiduciary need-to-know access are authorized to view submitted records.
5. RESPA & Separation from Babylon Realty
Qureshi Insurance Agency, LLC and Babylon Realty (Qureshi Real Estate Agency LLC) operate as separate and independent legal business entities:
Under the federal Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2607, there is zero mandatory bundling or cross-conditionality. Clients retain complete freedom of choice for insurance and settlement services. For real estate brokerage privacy terms and Twilio A2P 10DLC messaging policies, please visit our sister entity's policy:
