Terms and Conditions

Effective Date: November 12, 2026

Welcome to Parable. These Terms and Conditions (“Terms”) govern your use of our services, including protection plans, device support, one-time help, retail sales, and any associated websites, applications, or communication channels (collectively, the “Services”). By using Parable, you agree to these Terms. If you do not agree, please discontinue use immediately.

1. Services Provided

  • Subscription Services: Parable offers monthly and annual protection plans (Parable Defense, Total Shield, Total Shield Plus and Concierge). Depending on the plan, these include device protection, antivirus, identity and credit monitoring, data-broker removal, identity-theft coverage, the Parable AI Assistant and real human help.

  • Onsite Services: Onsite visits may include troubleshooting, setup, and training. Availability depends on your location and plan level.

  • Retail Sales: Parable may resell unlocked smartphones, accessories, and related products through authorized partnerships.

  • Promotional Content: Parable may provide affiliate or sponsored content via social platforms.

2. Eligibility

You must be at least 18 years old to purchase services. If you are under 18, a parent or guardian must purchase and supervise use of our services.

3. Payment and Billing

  • Subscriptions renew automatically unless canceled.

  • You authorize Parable to charge the payment method provided at signup.

  • Cancel anytime to stop monthly payments. Your coverage continues to the end of the month you’ve paid for.

  • Annual plans must be paid in full at the time of purchase. If you cancel an annual plan, it will not renew and your coverage continues to the end of the year you’ve paid for.

4. User Responsibilities

  • You agree to provide accurate information and use the Services lawfully.

  • You are responsible for maintaining the confidentiality of your account credentials.

  • You must not misuse Services, attempt unauthorized access, or resell Services without written consent.

5. Limitations of Service

  • Technical Limitations: Parable provides reasonable efforts support but does not guarantee resolution of all technical issues.

  • Device Coverage: Services apply only to supported devices (smartphones, tablets, accessories, etc.) as defined in your plan.

  • Onsite Visits: Subject to scheduling, technician availability, and geographic limitations within 35 miles of Loveland City Center.

  • Retail Warranty: Devices and accessories sold by Parable may carry manufacturer warranties. Parable makes no additional warranty unless expressly stated.

  • Device Protection: Total Shield covers 1 device, Total Shield Plus covers up to 5 devices, and Concierge covers up to 25 devices. A $100 deductible applies to each claim, and claim limits apply.

  • Identity-Theft Coverage: The $1,000,000 identity-theft coverage included with your plan is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under a group policy issued to Enfortra. It reimburses covered identity-fraud expenses up to $1,000,000 per 12-month period, including up to $25,000 of cash recovery, and is subject to the policy’s terms, exclusions and limits.

6. Disclaimer of Warranties

The Services are provided “as is” and “as available.” Parable disclaims all warranties, express or implied, including fitness for a particular purpose, merchantability, and non-infringement. We cannot guarantee uninterrupted or error-free service.

7. Limitation of Liability

To the maximum extent permitted by law:

  • Parable is not liable for indirect, incidental, or consequential damages.

  • Liability for direct damages is limited to the amount paid by you in the 12 months prior to the claim.

8. Indemnification

You agree to indemnify and hold harmless Parable, its owners, employees, and contractors from claims, damages, or expenses arising from your use of the Services or violation of these Terms.

9. Termination

Parable may suspend or terminate Services at any time for violations of these Terms or unlawful use. Upon termination, your right to use the Services ends immediately.

10. Governing Law

These Terms are governed by the laws of the State of Colorado, without regard to conflict of law principles. Venue shall be in the courts of Larimer County, Colorado.

11. Changes to Terms

Parable may update these Terms at any time. Updated Terms will be posted on our website and effective immediately upon posting. Continued use of Services after changes indicates acceptance.

12. Contact

For questions regarding these Terms, contact:

Milburn Consulting d/b/a Parable Smartphone, Loveland, CO 80537, (970) 889-1620