It’ll vary by the software you have, and the phone you have. Many companies have been caught capturing microphone recordings such as Google, Meta and Amazon over the years to name a few.
It also depends on the appliances you own, and how you have them configured. TVs, Alexa, hell we even have refrigerators that have live mics on them now.
I have worked for tech my whole life, this is table stakes for these organizations, ethics be damned.
Tried to to do this today, and my coworker replied to me with, “well have you heard that the CEO of UH was gunned down in Manhattan this morning?”
Wasn’t the kind of chill I was expecting