Ambient Capture Debt

Ambient Capture Debt is the accumulated risk an agency takes on when a personal assistant records everything (screens, transcripts, inboxes) without a matching retention and review policy. The capture itself is cheap; the debt is the cleanup, disclosure, and client-trust cost that comes due later. MyHandler stores screen content, meeting transcripts, files, and messages from email, Slack, Teams, SMS, Telegram, and Discord in an encrypted on-device database, which means a single retainer relationship can generate months of client-sensitive context with no natural expiry. PHNTM One takes the opposite posture by processing voice, documents, and personal data locally with no cloud connectivity, which caps some exposure but still leaves the question of what gets kept. The framework asks agencies to treat every captured artifact as a liability with a maturity date, not an asset with infinite shelf life. Practical test: for each client, name who can query the assistant's memory, what gets purged at contract end, and which meetings are excluded from capture entirely.