Parable Privacy Policy

Parable Smartphone, operated by Milburn Consulting, Inc. · Effective November 6, 2026 · This policy replaces all earlier versions.

1. Who we are and what this covers

This policy explains how Milburn Consulting, Inc., doing business as Parable Smartphone (“Parable,” “we,” “us”), collects, uses, shares and protects personal information when you use our website, member portal, mobile apps, Parable AI Assistant, protection plans, remote assistance and in-person services (the “Services”), or contact us. It is part of our Terms of Service.

It does not cover other companies' sites or services that we link to, or the separate privacy notices of our partners, which we describe below.

2. Information we collect

Information you give us

• Account information: your email address and password (we store only a scrambled form of the password, never the password itself), who the account is for (yourself, a parent or another family member), your plan, and a customer number we assign.
• Sign-in security: passkeys (we store a public key, not your fingerprint or face), and short-lived email codes used to confirm it is you.
• Identity-protection information: to turn on identity monitoring, credit monitoring or data-broker removal, you give us details such as your name, address, phone number, date of birth and Social Security number. If you choose to add items to monitor (such as a bank account, card, phone number or email address), you enter those as well. See Section 4 for what happens to this information.
• Messages and voice: what you type or say to the AI Assistant, and the replies. If you speak, your phone or browser's built-in speech recognition turns your voice into text. That feature is provided by your device's maker under its own privacy terms, and we receive the text, not a recording. Spoken replies are made from text we send to our speech provider.
• Photos: pictures you take or choose to share with the Assistant.
• Scheduling and support: your appointment requests, notes from remote or in-person sessions, and anything you tell us when you call, text, email or meet us.
• Community and event requests: if you request a Confidence Clinic or are a contact for a senior-living community, we collect names, roles, emails, phone numbers and addresses you provide.

Information from others

• From our identity-protection partner: alerts (for example that your information appeared in a breach), whether monitoring is active, whether your identity verification passed, and your plan status.
• From our security-software partner: whether protection is active on your device, and device-health information.
• From our payment processor: that a payment succeeded and which plan was bought, but not your full card number.
• From a family member or representative who sets up an account for you (Section 9), and from a senior-living community that offers Parable to its residents.

Information collected automatically

• Technical information: IP address, browser and device type, pages and actions, times, and error messages, kept in our server logs for security and to keep the service running.
• Session identifiers: a small cookie or stored identifier that keeps you signed in and keeps your chat together. It is needed for the Services to work.
• Security records: a log of important events, such as sign-ins, failed sign-ins, password resets, security-code checks, administrator access, and when you accepted our Terms (with version, date and time, and IP address).
• Usage counts: how many Assistant messages and spoken replies you use, to apply fair-use limits. These counts do not include what was said.
• Advertising technology: see Section 5.

What we ask you not to send

Please do not type passwords, PINs, full Social Security, card or bank numbers, or detailed health information into the AI Assistant. Please do not send us medical records. Parable is not a health-care provider or health plan.

3. How we use information

• To create and run your account, sign you in, and keep it secure.
• To provide the Services you chose: identity and device protection, the AI Assistant, remote and in-person help, and scam alerts.
• To process payments and send receipts and account notices.
• To contact you about appointments, alerts, security, and changes to your service or to our terms.
• To prevent fraud, abuse and security incidents, and to enforce our Terms.
• To fix problems and improve reliability and the Services.
• To keep records, including proof of what you agreed to, and to meet legal obligations.
• To tell you about Parable, where you have not opted out (you can opt out of marketing email at any time).

We do not use your Social Security number, date of birth, credit information or the contents of your messages to make decisions about you that have legal effect, and we do not use them to advertise to you.

4. How we handle identity-protection information

• Social Security number and date of birth. When you enroll, they are sent securely to our identity-protection partner, which holds your enrollment. Parable does not store them in our database. We take care that they are not written to our logs.
• Credit scores, credit reports, data-broker records and monitored items. When you open those pages, we retrieve the information from our partner and show it to you. We do not save a copy. Card and account numbers you add for monitoring are shown to you only in part (for example the last four digits).
• Identity verification with the credit bureaus. The questions come from, and your answers go to, the credit bureau through a page provided by our partner. We receive only the result (passed or failed) and the time. To protect the credit bureau's process from abuse, we keep a scrambled, non-reversible fingerprint of the internet address used for each attempt, for security purposes.
• Alerts. We keep the alerts we show you, written in plain words, so that you can see and dismiss them.
• Partners have their own rules. Our partner and the credit bureaus handle your information under their own privacy notices, security programs and the laws that apply to them, such as the Fair Credit Reporting Act.

5. Advertising technology (Meta Pixel) and cookies

Two of our pages, our home page and the chat page where you create an account or sign in, use the Meta (Facebook) Pixel. It tells Meta that the page was viewed, and when someone creates an account or signs in, along with technical information such as your browser and IP address. We use this to measure and improve our advertising. We do not send Meta your email address, messages, identity information or anything you type into the Assistant.

Because it shares information with an advertising company, you may have the right to opt out of this “sharing.” You can do so by: (a) turning on the Global Privacy Control or similar signal in your browser (we treat it as an opt-out request); (b) using your browser's or phone's tracking controls or an ad blocker; (c) adjusting your ad settings at Meta; or (d) asking us at (970) 889-1620 or adam@parablesmartphone.com. We do not use the Pixel on the dashboard pages that show your identity information. If that changes, we will update this policy first.

Apart from this, we use only the cookies and stored identifiers needed to run the Services.

6. How we share information

We do not sell your personal information. We share it only as follows:

• Service providers who work for us, under contract and only to provide services to us: an identity-protection partner (enrollment, monitoring, data-broker removal, credit information); a device-security partner; an AI and speech provider (currently OpenAI), which processes the text you send, photos you share, and text we turn into spoken replies, in order to produce responses; a payment processor; email and text delivery; cloud hosting and database services; error monitoring and log storage; and secure storage for our security records.
• The AI provider. Under the terms we have with it for business use, it does not use what we send to train its models. It may keep data for a limited time to detect abuse, as its own terms state.
• Your representative, if you have one, as described in Section 9.
• Your senior-living community, only where it has arranged Parable for you and you or your representative have agreed, and limited to what is needed (for example that you are enrolled).
• Advertising partner: Meta, as described in Section 5.
• For legal and safety reasons: to comply with law, court orders and valid legal requests; to protect our rights, our members and others; and, where we reasonably believe a person is in danger or is being exploited, to contact emergency services, adult protective services, law enforcement or a care facility. We share only what is reasonably needed.
• In a business transfer, such as a merger or sale, with the protections of this policy continuing to apply.
• With your direction or consent.

7. How long we keep information

We may keep information longer where needed for legal, security, fraud-prevention or dispute purposes, and when a backup holds it until the backup is replaced.

8. Your choices and rights

You can:

• See and update your account information in the portal, or ask us.
• Ask us for a copy of the personal information we hold about you, and what categories we have shared and why.
• Ask us to correct information that is wrong.
• Ask us to delete your account and information. We will confirm who you are first. Deleting your account cancels your identity-protection enrollment, which ends monitoring.
• Opt out of advertising sharing as described in Section 5, and of marketing email using the link in any email.
• Turn off device permissions for the camera, microphone, photos or speech recognition in your phone's Settings at any time.

To make a request, call (970) 889-1620 or email adam@parablesmartphone.com. We will respond within 45 days, or tell you if we need more time. You may also have the right to appeal a refusal, and to complain to your state attorney general. We will not treat you worse for using your rights.

Depending on where you live (for example Colorado, California and other states), you may have additional rights under state privacy laws, and we will honor them as the law requires. You may use an authorized agent to make a request for you, and we will ask for proof of that authority.

Information held by our partners. If you ask us to delete your information, we will also ask our service providers to do so, to the extent the law allows. Credit bureaus and data brokers are separate companies with their own records, which we cannot delete.

9. When someone sets up Parable for you, and care settings

• A family member or other representative may open an account for you under our Family Subscription & Care Recipient Addendum. They give us information about you only to the extent of their legal authority.
• What your representative can see: scheduling and billing information, session summaries, and scam and security alerts. We do not give them the content of your calls, messages, photos, or your private conversations with the AI Assistant unless you agree or the law requires it.
• Remote sessions happen only at scheduled times and with your permission each time. We do not record them unless we tell you first and you agree. We may keep notes of what was done.
• In a care facility, we limit our attention to your own device and do not use cameras or microphones to capture other residents or areas.
• We keep the right to contact emergency services, adult protective services or others if we reasonably believe you are in danger or being exploited, even if a representative tells us not to.

10. Security

We use safeguards designed to protect your information, including encryption when information is sent, hashed passwords, a second step to sign in, passkeys, limits on repeated sign-in attempts, access controls, and logs of important activity. No system is perfectly secure. If a breach affects your information, we will notify you as the law requires.

11. Children

The Services are for adults. They are not directed to children under 13, and we do not knowingly collect their information. If you believe a child has given us information, contact us and we will delete it.

12. Where information is processed

We and our service providers process information in the United States. The Services are intended for people in the United States.

13. Changes to this policy

We may update this policy. We will change the effective date at the top and, if the change is important, tell you by email or in the portal before it takes effect. The version in force is always the one on this page.

14. Contact us

Parable Smartphone (Milburn Consulting, Inc.)
Phone: (970) 889-1620
Email: adam@parablesmartphone.com
Web: www.parablesmartphone.com