Parable Terms of Service

Parable Smartphone, operated by Milburn Consulting, Inc. · Version 2026-11-06 · Effective November 6, 2026

1. About these Terms

1.1 The agreement. These Terms of Service (the “Terms”) are a contract between you and Milburn Consulting, Inc., doing business as Parable Smartphone (“Parable,” “we,” “us”). They govern your use of the Parable website, member portal, mobile apps, Parable AI Assistant, protection plans, remote assistance and on-site services (together, the “Services”). By creating an account, ticking the acceptance box, paying for a plan, or using the Services, you agree to these Terms.

1.2 Other documents that apply. The following are part of this agreement: (a) our Privacy Policy; (b) the description of your plan shown when you bought it; (c) the Remote Session Consent in Exhibit A; and (d) if you set up Parable for someone else, the Family Subscription & Care Recipient Addendum. If a document conflicts with these Terms, the Addendum controls for family subscriptions, and otherwise these Terms control.

1.3 Who may sign up. You must be at least 18, live in the United States, and be able to enter a binding contract. If you are signing up for another person, you may do so only if you have the authority described in the Addendum.

1.4 Residents of communities with a Parable agreement. If Parable is provided to you through an assisted-living or senior-living community under a separate agreement between the community and Parable, that agreement governs the community's obligations. These Terms still govern your own use of the Services, except where that agreement says otherwise.

2. The Services

2.1 Plans. Parable offers plans such as Total Shield, Total Shield Plus, Concierge and Parable Defense. What each plan includes is described when you buy it. We may improve, change or retire features. If we remove a feature you paid for in a way that materially reduces your plan, we will tell you and you may cancel under Section 8.

2.2 Parable AI Assistant. An AI-powered chat and voice assistant. See Section 6.

2.3 Remote Assistance. Pre-scheduled sessions in which a Parable team member helps with your phone over a remote connection. See Section 4.

2.4 On-Site Service. In-person visits, available only with the Concierge plan and only in our local service area. See Section 5.

2.5 Third-party providers. Parts of the Services, including identity monitoring, device security software, payment processing, email, text messaging and AI processing, are delivered by independent third-party providers. We may add, change or replace providers. Some providers require you to accept their own terms, and we will point you to them when that happens. We are not responsible for a provider's own acts or outages except as these Terms say.

2.6 No guarantee of results. Monitoring and security tools help detect and reduce risk. They cannot prevent every fraud, scam, breach, virus or loss, and we do not promise that they will.

3. Eligible Devices

3.1 The five-year rule. Device-dependent features, including Remote Assistance, On-Site Service and device security, are available only for a smartphone that is less than five (5) years old (an “Eligible Device”). A device's age is counted from the date its manufacturer first released that model to the public, as shown in the manufacturer's records or a source we reasonably rely on, to the date you enroll the device.

3.2 Other requirements. An Eligible Device must also (a) run an operating system version that its manufacturer still supports with security updates, (b) not be rooted, jailbroken or otherwise modified to bypass its security, (c) be owned by you or used with the owner's permission, and (d) be capable of the remote-assistance and security tools we use. Some models and settings do not support every feature, and we will tell you if yours does not.

3.3 Your statement about the device. You promise that the device information you give us is accurate. We may check it. If it turns out to be inaccurate, or the device is not an Eligible Device, we may decline, limit or end the device-dependent parts of the Services.

3.4 Devices that age out. If an enrolled device stops being an Eligible Device, we may stop providing device-dependent features for it on 30 days' notice. Identity-protection and AI Assistant features that do not depend on the device will continue unless you cancel. If you paid in advance for device-dependent features we stop providing, we will refund the unused portion.

3.5 Hardware is yours, not ours. Unless we sell you a device under a separate written order, we do not provide, repair, replace or insure any hardware. You are responsible for your device, its charger, its battery, its service plan and its backups. Section 13 explains what we are not responsible for.

4. Remote Assistance

4.1 Scheduled sessions only. We connect to your phone only during a session that you (or, for a family subscription, your Authorized Representative) have scheduled with us in advance. We do not connect at other times. Scheduling can be done by phone, email, our booking page or the portal. We will confirm each session in writing.

4.2 Your permission, every time. Each session begins only after you approve the connection on your phone, by entering a code or accepting a prompt, and after we read you the Remote Session Consent (Exhibit A). You may end a session at any time by saying so or by closing the connection. Approval for one session is not approval for another.

4.3 What we will and will not ask. Parable will never ask you to tell us a password, PIN, one-time code that signs you in to an account, full Social Security number, or full card or bank number. If you need to type one of those, you type it yourself. We will not make purchases, move money, or sign in to your banking or payment accounts for you. If anyone claiming to be Parable asks you for these things, it is not us.

4.4 What we may do. Within a session we may view your screen, and with your approval operate it to help with settings, updates, apps, contacts you ask us to add, security tools, scam-protection settings, and questions about how the phone works. We will not delete your photos, messages or contacts, or install apps you have not asked for.

4.5 Someone must be present. You or another adult you have designated must be with the phone for the whole session. Your screen may show private information such as messages and photos while we are connected. You are responsible for closing anything you do not want us to see.

4.6 Recording. We do not record the screen or audio of a session unless we tell you first and you agree. We may keep written notes of what was done.

4.7 Signal and connection problems are no-fault. Remote Assistance depends on your phone's cellular signal, Wi-Fi, internet service, battery, operating-system permissions, and third-party remote-connection tools, none of which we control. If a connection cannot be made, drops, is too slow or unclear, or cannot safely be completed, that is not a breach of these Terms and is no one's fault. We will make reasonable efforts to offer you another time within 5 business days. A session that cannot be completed for these reasons does not use up any included session or minutes. Beyond that, no refund, credit or damages are owed for a session that could not be connected or completed for reasons outside our reasonable control.

4.8 Missed and changed appointments. Please give at least 24 hours' notice to reschedule. If you are not available within 15 minutes of the scheduled time, we may treat the session as missed. A missed session may count toward your included sessions.

4.9 Changes can have side effects. Changing settings, installing updates or adjusting apps can sometimes cause a phone to behave differently, lose data or stop working, including for reasons unrelated to anything we did. We recommend you back up your phone before a session. Section 13 applies.

4.10 Not an emergency service. Remote Assistance is not available on demand and is not a safety or emergency service. In an emergency, call 911.

5. On-Site Service (Concierge)

5.1 Appointments and area. On-Site Service is offered only to Concierge members at addresses within our local service area (currently Northern Colorado) and only by appointment. Arrival times are windows, not guarantees.

5.2 Access and safety. You (or a designated adult) must be present, and you must provide safe, reasonable access. Our team member may leave or end a visit, without penalty to us, if the setting appears unsafe, if anyone is abusive, or if the visit cannot reasonably continue.

5.3 Signal and site conditions are no-fault. Buildings, including homes and care facilities, often have weak cellular or Wi-Fi coverage. If poor signal, a locked-down network, a facility policy or other site conditions prevent a visit or part of it from being completed, that is no one's fault. We will make reasonable efforts to reschedule or complete the work remotely. Time spent trying does not count toward your included visit time.

5.4 Our people. Our team members will identify themselves. You may end any visit at any time.

5.5 Existing conditions. We are not responsible for the condition of your device, premises, network or belongings that existed before we arrived, or for conditions outside our control.

5.6 Care and senior-living facilities. If the visit takes place in a facility, you must obtain any permission the facility requires. We will follow its visitor rules. We are not responsible if a facility delays, limits or denies access.

5.7 Fees. Your plan describes the included on-site time. Additional time is billed at $85 per hour after the first 45 minutes. A visit missed without 24 hours' notice may count as a used visit.

6. Parable AI Assistant

6.1 It is software, not a person. The Assistant is generated by artificial intelligence. It can be wrong, incomplete, out of date or misunderstand you, and it may produce different answers to the same question. You should check anything important with a person you trust or with us.

6.2 It does not give professional advice. The Assistant does not give medical, legal, financial, tax, investment, mental-health or other professional advice, and using it does not create a professional relationship. Do not rely on it for those decisions.

6.3 Emergencies. Do not use the Assistant in an emergency. Call 911. If you are thinking about harming yourself, call or text 988.

6.4 Scam checks. The Assistant can offer its opinion on whether a message, call or website looks like a scam. Its opinion is not a guarantee in either direction. If you are unsure, do not click, pay, call back, or share information, and contact us or someone you trust.

6.5 Fair-use limits. To keep the Services available to everyone, the Assistant has usage limits, currently 15 messages per day and 250 per month. We may change the limits and we will tell you if they change materially.

6.6 What you share with it. Please do not type passwords, PINs, full Social Security, card or bank numbers, or detailed health information into the Assistant. What you type or say, including recordings of your voice if you use voice features, is sent to our third-party AI and speech providers to produce a response. We handle it as described in the Privacy Policy.

6.7 Permission to process. You give us permission to process what you submit to the Assistant to provide, secure, and improve the Services, as described in the Privacy Policy.

6.8 Acceptable use. Do not use the Assistant to break the law, to harass or deceive anyone, to get around its safeguards, or to copy or reverse-engineer it.

6.9 Availability. The Assistant may be unavailable, slow or changed at any time, including because of problems at a provider.

7. Identity and Device Protection

7.1 Your authorization. By enrolling, you authorize Parable and its identity-protection provider to use the information you give us (such as name, address, date of birth, Social Security number, phone numbers, email addresses and account numbers you ask us to monitor) to set up and deliver monitoring, data-broker scanning and removal, alerts, and, where your plan includes it, credit reports, scores and credit-file monitoring, including obtaining information from consumer reporting agencies for those purposes.

7.2 Identity verification. Credit-related features require you to pass an identity-verification step with a credit bureau. The questions are generated by the bureau, not by us. If verification is not completed or fails, those features may be unavailable, the bureau may lock further attempts for a period, and we cannot override the bureau. Please answer the questions yourself and do not guess.

7.3 Insurance. If your plan includes identity-theft insurance or reimbursement, it is provided under a policy issued by a third-party insurer, and eligibility, limits, exclusions and claim procedures are in that policy. Parable is not an insurer and does not itself promise reimbursement.

7.4 Data-broker removal. We use reasonable efforts through our provider to request removal of your information from data-broker sites. Brokers act independently, may decline or delay a request, and may list your information again. We cannot promise that any specific record will be removed or stay removed.

7.5 Alerts need your attention. Alerts tell you something was detected. You are responsible for reading them and acting on them. Monitoring detects; it does not stop fraud.

7.6 Only your own information. You may enroll only information about yourself, or about a person for whom you have the authority described in the Addendum.

8. Fees, Renewal and Cancellation

8.1 Prices. You will pay the price shown when you buy, plus applicable taxes. Prices are in U.S. dollars.

8.2 Payment. Payments are processed by a third-party payment provider. We do not store your full card number. You authorize us and the provider to charge your chosen payment method for the plan and for any other charges you approve.

8.3 Automatic renewal. Your plan renews automatically at the end of each billing period (monthly or annual, as you chose) at the then-current price until you cancel. You can cancel at any time, with no cancellation fee, by calling (970) 889-1620 or emailing adam@parablesmartphone.com. Cancellation takes effect at the end of the billing period you have already paid for, and you keep access until then. For annual plans, we will send a reminder before renewal as required by law.

8.4 Price changes. We will give at least 30 days' notice of a price increase by email. If you do not want the new price, cancel before it takes effect.

8.5 Refunds. Monthly plans: charges for a period already begun are not refundable. Annual plans: you may cancel within 30 days of the initial purchase or any renewal for a pro-rated refund of the unused portion. Fees for On-Site Service already performed are not refundable. This does not limit any refund right you have under law.

8.6 Failed payments. If a payment fails, we may retry, suspend the Services, or end your plan after notice. You remain responsible for amounts due.

8.7 Disputes. Please contact us before disputing a charge with your bank so we can fix it quickly.

9. Your Responsibilities

You agree to: (a) give accurate, current information; (b) keep your login, passkey and verification codes private and tell us promptly if you think someone else has them; (c) keep your device's software updated and your device charged and backed up; (d) use the Services lawfully; (e) treat Parable team members and contractors with respect; we may end a session or visit and suspend the Services if anyone is abusive or threatening; and (f) not resell, copy, interfere with or attempt to break into the Services.

10. Privacy and Your Data

10.1 Privacy Policy. Our Privacy Policy explains what we collect, how we use and share it, and your choices. It is part of this agreement.

10.2 Sensitive information. We pass identity details you give us to the providers needed to deliver Protection and as the Privacy Policy describes.

10.3 Not a health-care provider. Parable is not a health-care provider or health plan and does not intend to receive protected health information. Please do not send us medical records or detailed health information.

10.4 Electronic communications. You agree we may contact you electronically, including by email and in the portal, about your account. Marketing and text-message consents, where required, are collected separately and can be withdrawn.

11. Intellectual Property

The Services, including software, text, designs, trademarks and the Parable name, belong to Parable or its licensors. You receive a limited, personal, non-transferable, revocable right to use the Services for their intended purpose while this agreement is in effect. If you send us feedback, we may use it without obligation to you.

12. Third-Party Services and Links

The Services may link to or work with websites, apps, carriers, device manufacturers and other services we do not own, including the credit bureaus and data brokers. We do not control them and are not responsible for their content, availability, terms or actions.

13. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” PARABLE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT THEY WILL DETECT OR PREVENT ALL FRAUD, SCAMS, BREACHES OR MALWARE, OR THAT THE AI ASSISTANT WILL BE ACCURATE.

DEVICES. PARABLE IS NOT THE MANUFACTURER, SELLER, CARRIER OR WARRANTOR OF YOUR DEVICE. PARABLE IS NOT RESPONSIBLE FOR ANY DEVICE FAILURE, MALFUNCTION, MANUFACTURING OR DESIGN DEFECT, BATTERY OR SCREEN FAILURE, WATER OR PHYSICAL DAMAGE, LOSS OR THEFT, OPERATING-SYSTEM OR APP UPDATE, INCOMPATIBILITY, CARRIER OR NETWORK PROBLEM, LOSS OR CORRUPTION OF DATA, OR NEED FOR REPAIR OR REPLACEMENT, WHETHER OR NOT IT OCCURS DURING OR AFTER REMOTE OR ON-SITE ASSISTANCE. ASSISTANCE FROM PARABLE DOES NOT CREATE A WARRANTY OR ASSUME ANY OBLIGATION TO REPAIR OR REPLACE A DEVICE. YOUR REMEDIES FOR A DEVICE PROBLEM ARE THOSE PROVIDED BY THE DEVICE'S MANUFACTURER, SELLER, CARRIER OR INSURER.

SIGNAL AND CONNECTIVITY. PARABLE IS NOT RESPONSIBLE FOR CELLULAR, WI-FI, INTERNET, POWER OR THIRD-PARTY REMOTE-CONNECTION FAILURES THAT PREVENT, INTERRUPT OR DEGRADE A REMOTE OR ON-SITE SESSION.

NOT A SAFETY SERVICE. THE SERVICES ARE NOT A MEDICAL ALERT, EMERGENCY-RESPONSE, LOCATION-TRACKING OR CAREGIVING SERVICE.

Some places do not allow certain disclaimers, so some of the above may not apply to you. Where a disclaimer cannot be given, it applies to the extent permitted.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) PARABLE, ITS OFFICERS, EMPLOYEES, CONTRACTORS AND PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOSS OF USE OR LOSS OF GOODWILL, EVEN IF ADVISED THEY MIGHT OCCUR; AND (B) PARABLE'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID PARABLE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND $100.

These limits apply to every legal theory, including contract, negligence and other torts, and apply even if a remedy fails of its essential purpose. They do not limit liability that cannot be limited by law, including for fraud, for gross negligence, or for willful or wanton misconduct, and nothing in these Terms waives any right that the law does not allow to be waived. Any claim must be brought within one (1) year after it arises, to the extent the law allows.

15. Indemnification

15.1 YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS PARABLE, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND PROVIDERS FROM AND AGAINST ANY THIRD-PARTY CLAIM, AND RELATED LOSSES, DAMAGES, SETTLEMENTS, COSTS AND REASONABLE ATTORNEYS' FEES, ARISING OUT OF OR RELATING TO: (A) YOUR BREACH OF THESE TERMS; (B) INACCURATE INFORMATION YOU PROVIDE; (C) YOUR LACK OF AUTHORITY TO ACT FOR ANOTHER PERSON; (D) THE OWNERSHIP, CONDITION, USE, FAILURE OR DEFECT OF ANY DEVICE YOU ENROLL, OR ANY CONTENT OR DATA ON IT; (E) INSTRUCTIONS YOU GIVE US; OR (F) YOUR MISUSE OF THE SERVICES.

15.2 Limits. You are not required to indemnify Parable to the extent a claim is caused by Parable's gross negligence, willful or wanton misconduct, or fraud. Parable will give you prompt notice of a claim, reasonable cooperation at your expense, and, as to claims you must defend, control of the defense, but you may not settle a claim in a way that admits fault by Parable or imposes obligations on it without Parable's written consent.

15.3 Who is bound. This Section binds the person who accepts these Terms and holds the account. For a family subscription, the Addendum states how it applies to the Authorized Representative and to the Care Recipient.

16. Term, Suspension and Termination

16.1 You may cancel at any time as described in Section 8.3.

16.2 We may suspend or end the Services immediately or on notice if: you breach these Terms; payment fails; we reasonably suspect fraud, abuse or a security risk; your device is not an Eligible Device; we cannot establish a representative's authority under the Addendum; we are required to by law; or we stop offering the Services, in which case we will give you reasonable notice and a refund of prepaid amounts for periods after the shutdown.

16.3 What happens next. When the Services end, we will cancel your enrollment with our identity-protection provider, which ends monitoring and may delete the records held for you there, and we will handle other data as the Privacy Policy describes. Sections that by nature should survive (including 13, 14, 15, 17 and 19) survive.

17. Governing Law and Disputes

17.1 Talk to us first. If you have a problem, please contact us first and give us 30 days to try to resolve it.

17.2 Governing law and courts. Colorado law governs these Terms, without regard to conflict-of-law rules. Any lawsuit must be brought in the state or federal courts located in Larimer County, Colorado, and you and Parable consent to those courts. Either party may bring an individual claim in small-claims court. This does not limit rights you have under consumer-protection laws of the state where you live that cannot be waived.

17.3 Jury trial. TO THE EXTENT PERMITTED BY LAW, EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL.

18. Changes to these Terms

We may update these Terms. We will email you at least 30 days before a material change takes effect and post the new version, which will show its version number and date. If you keep using the Services after the date stated, or when we ask you to accept the new version, you accept the change. If you do not agree, you may cancel under Section 8.3. For family subscriptions, notice goes to the Authorized Representative.

19. General

19.1 Entire agreement; order of documents. These Terms, with the documents in Section 1.2, are the whole agreement about the Services and replace earlier understandings about them.

19.2 If a part is unenforceable, the rest stays in effect and the unenforceable part is limited to the minimum extent needed.

19.3 No waiver. If we do not enforce a right right away, we have not given it up.

19.4 Assignment. You may not transfer your account. We may transfer these Terms in a merger, sale or reorganization, with notice to you.

19.5 Events beyond our control. Neither party is liable for a failure caused by events beyond its reasonable control, such as outages of utilities, carriers or the internet, natural disasters, labor disputes, government action or provider failures.

19.6 Electronic agreement. You agree that clicking to accept, and later using the Services, is your signature under the federal E-SIGN Act and Colorado's Uniform Electronic Transactions Act, and that we may keep an electronic record of your acceptance, including the version accepted and the date and time.

19.7 Notices. We may give notice by email to the address on your account or by posting in the portal. You may contact us at (970) 889-1620 or adam@parablesmartphone.com.

19.8 No third-party beneficiaries, except the persons protected by Sections 13 through 15, who may rely on them.

Exhibit A — Remote Session Consent

A Parable team member will read the following to you at the start of every remote session, and you may ask to hear it again at any time.

1. “I am from Parable. This session was scheduled for today in advance for today.”
2. “I will be able to see your phone's screen, and, if you approve, help you use it.”
3. “I will never ask for your passwords, PINs, bank or card numbers, or sign-in codes.”
4. “We are not recording unless we tell you first and you agree.”
5. “You can stop at any time by telling me or by closing the connection.”
6. “Do you agree to begin?”