>> “Unless it knows my wifi router password, its not communicating anything back to the home office.” <<
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Sorry, but that depends on how old your router is. If you bought it within the last seven years, it has federally mandated “back doors.”
My router is older than that and I don’t have any smart appliances. If one of them dies and I have to get a new one of something, it could communicate but I don’t have a smart meter, either, so maybe no info. can be communicated from my house yet.
If you have a smart meter, the power company can cut it off or let it run for certain hours and cut it off - do anything they want with your power and control any smart appliance plugged into that power source.
WE ARE LIVING IN THE BOOK/FILM 1984.
I believe you're talking about backdoor access from the WAN side; not the WIFI side.