

What conspiracy theory? You can look up LG’s terms of service and read it for yourself.
Quote from LG’s terms of service:
“CONSENT REQUIREMENT: You acknowledge and agree that it is your sole responsibility to obtain all necessary consents from any third parties whose voices may be captured by the Product and to notify household members and guests that their voices may be captured and processed, in compliance with the Personal Information Protection and Electronic Documents Act”

Are you sure that a Visa debit card is a credit card? I ask because in Canada we also have those (I have one) and it is specifically not a credit card. Rather, it is a debit card that is sometimes accepted by systems that ask for a credit card.