Do not grant permissions to an app that it should not need: torches and star-gazing apps don’t need access to your contacts and phone. And never grant accessibility permissions that facilitate device control unless you have a need. Once a month, scan through your phone and delete a few of the apps you no longer need or haven’t used in a long time.

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Apps like Google Pay and Apple Pay allow you to tap your phone to make contactless payments but are they safe or should you avoid them?