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What habits do you have to protect your privacy?
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I don't use any "pay" apps. I got a card from my bank, I just use that to pay. So i don't know. But the banking app that generates tan codes, shows the balance and so on works fine.
I prefer GrapheneOS for my main phone. It just works and has sane default settings. On other devices I prefer LineageOS for microG. And i can root Lineage which is handy for development.