Open your phone’s permission manager right now. Chances are a torch app, a photo editor or a game you installed once has had access to your location, contacts or microphone for months.
That’s not a hack. It’s the default. Most phones ship with settings that favour data collection, and very few of us go back to change them. Your smartphone privacy settings decide who sees your location, who can read your contacts and which apps follow you across the internet.
The good news? Fixing your smartphone privacy settings takes about 10 minutes. And one of them protects your UPI money even if someone gets past your screen lock. It’s number 11.
⚡ Key takeaways
- Fixing 15 smartphone privacy settings takes about 10 minutes on Android or iPhone
- The biggest wins: app permissions, ad tracking and hiding OTPs on the lock screen
- Lock UPI apps separately, because a screen lock alone isn’t enough
- Report spam calls and check SIMs in your name on the government’s Sanchar Saathi portal
What Apps Actually Collect From Your Phone
Here’s the thing: most apps don’t need half the permissions they ask for. A calculator has no reason to know where you are. A wallpaper app doesn’t need your contacts.
Yet apps routinely collect:
- Location history, often in the background
- Contact lists, which some instant loan apps have misused for recovery harassment
- Photos and files, including screenshots of bank details and Aadhaar cards
- Advertising ID, which links your activity across apps for targeted ads
- Microphone and camera access, even when the app has no real use for it
Once data leaves your phone, you can’t pull it back. So the smart move is to limit what goes out in the first place.
Also readiPhone vs Android privacy: Which Is Better for Privacy in 2026? 
Android Privacy Settings to Change Right Now
Menu names differ slightly between Samsung, Xiaomi, Vivo, OnePlus and Pixel phones. If you can’t find an option, type its name into the search bar at the top of the Settings app.
1. Check the Privacy Dashboard
Go to Settings → Security & privacy → Privacy → Privacy dashboard. You’ll see which apps used your location, camera and microphone in the last 24 hours (some phones show 7 days). If a shopping app checked your mic at 2 a.m., that’s your first app to fix.
2. Clean Up App Permissions
Open Settings → Apps → Permission manager. Go through Location, Contacts, Camera, Microphone and Files one by one.
For each app, pick the tightest option that still works:
- Allow only while using the app for maps and food delivery
- Ask every time for apps you use rarely
- Don’t allow for anything that has no clear reason
Also keep “Remove permissions if app isn’t used” turned on. Android will then reset permissions for apps you’ve forgotten about.
💡 Pro tip
On Samsung, Xiaomi and Vivo phones, the permission manager may sit under Settings → Privacy → Permission manager. Search “permission” in Settings if you can’t find it.
3. Delete Your Advertising ID
Go to Settings → Google → Ads → Delete advertising ID. This breaks the link advertisers use to track you across apps. You’ll still see ads, but they’ll be less creepy.
4. Turn Off Precise Location Where It’s Not Needed
When an app asks for location, choose Approximate instead of Precise. Weather and news apps only need your city. Keep precise location for maps, cab apps and delivery apps.
5. Review Your Google Account Activity
Visit Google My Activity and set Web & App Activity, Location History (Timeline) and YouTube History to auto-delete after 3 months. This one step cleans up years of stored data.
iPhone Privacy Settings to Change Right Now
Apple gives you strong controls, but several of them are still switched off out of the box.
6. Stop Apps Tracking You With One Toggle
Go to Settings → Privacy & Security → Tracking and turn off Allow Apps to Request to Track. Every app is then automatically told “no”. This is the single most useful of all iPhone privacy settings.
7. Review Location Services App by App
Open Settings → Privacy & Security → Location Services. Set most apps to While Using or Never. Then tap System Services and turn off Significant Locations if you don’t want a log of places you visit often.
8. Use Safety Check
Under Settings → Privacy & Security → Safety Check, you can see who has access to your location, photos and shared notes, and remove it in one go. It’s especially useful after a breakup or after selling an old device.
9. Turn Off Personalised Apple Ads
Go to Settings → Privacy & Security → Apple Advertising and switch off Personalised Ads. Apple’s guide to tracking permissions explains what each control does.
Also read3 Essential Cybersecurity Tips to Keep Your Personal Data Safe Smartphone Privacy Settings That Work on Both Android and iPhone
These smartphone privacy settings apply no matter which phone you carry.
10. Hide Notification Previews on the Lock Screen
OTPs and bank alerts pop up on your lock screen by default. Anyone who picks up your phone can read them. On Android, go to Settings → Notifications → Sensitive notifications and hide content on the lock screen. On iPhone, go to Settings → Notifications → Show Previews → When Unlocked.
11. Lock Your UPI and Banking Apps
Most UPI apps, including Google Pay, PhonePe and Paytm, support a separate fingerprint or PIN lock. Turn it on inside each app’s settings. Then add an app lock on top using your phone’s built-in App Lock (Android) or Lock with Face ID (iPhone, press and hold the app icon). If someone gets past your screen lock, they still can’t open your money apps.
12. Turn On Two-Step Verification Everywhere
Enable two-step verification on Google, Apple ID, WhatsApp and Instagram. For WhatsApp, go to Settings → Account → Two-step verification and set a 6-digit PIN. This blocks the common “I sent you an OTP by mistake” takeover scam.
13. Block Spam and Unknown Calls
On Android, go to Phone app → Settings → Caller ID & spam and turn on Filter spam calls. On iPhone, go to Settings → Apps → Phone → Silence Unknown Callers. You can also report fraud calls and SMS through the government’s Sanchar Saathi portal using the Chakshu feature.
14. Check Which SIMs Are Registered in Your Name
On Sanchar Saathi, the Know Your Mobile Connections tool shows every number linked to your ID. If you spot a number you never took, report it. Fraudsters often use SIMs registered with other people’s documents.
15. Keep Your Phone and Apps Updated
Security patches fix holes that attackers actively use. Turn on automatic updates for both the system and the Play Store or App Store. If your phone no longer gets security updates, it may be time to plan an upgrade.
Quick Reference: Smartphone Privacy Settings at a Glance
| Setting | Android path | iPhone path | Time needed |
|---|---|---|---|
| Privacy dashboard | Settings → Security & privacy → Privacy | Settings → Privacy & Security → App Privacy Report | 2 min |
| App permissions | Settings → Apps → Permission manager | Settings → Privacy & Security | 3 min |
| Ad tracking | Settings → Google → Ads | Settings → Privacy & Security → Tracking | 30 sec |
| Lock screen previews | Settings → Notifications | Settings → Notifications → Show Previews | 30 sec |
| UPI app lock | Inside each UPI app + App Lock | Inside each UPI app + Lock with Face ID | 2 min |
| Spam calls | Phone app → Caller ID & spam | Settings → Apps → Phone | 30 sec |
| Two-step verification | Google, WhatsApp, Instagram | Apple ID, WhatsApp, Instagram | 2 min |
Common Mistakes That Undo Your Privacy
Even careful people slip up. These mistakes quietly undo good smartphone privacy settings:
- Installing APK files from WhatsApp links. Fake “wedding invitation”, “electricity bill” and “traffic challan” APKs are a common way to steal SMS and OTPs. Only install apps from the Play Store or App Store.
- Granting Accessibility access casually. This permission lets an app read your screen and tap buttons. Only give it to apps you fully trust.
- Sharing your screen on video calls with strangers. Scammers posing as bank or courier staff often ask for this.
- Ignoring “unused apps”. Old apps keep old permissions. Delete what you don’t use.
⚠️ Watch out
If you do lose money to a scam, call the national cybercrime helpline 1930 immediately or file a complaint at cybercrime.gov.in. The faster you report, the better your chances of the bank freezing the transfer.
Frequently Asked Questions About Smartphone Privacy Settings
Which smartphone privacy settings should I change first?
Start with app permissions, ad tracking and lock screen notification previews. These three cover the biggest leaks and take under five minutes together.
Do privacy settings slow down my phone?
No. Limiting background location and permissions can actually save battery, because apps run less often in the background.
Is Android or iPhone better for privacy?
Both offer strong controls in 2026. iPhone blocks cross-app tracking with a single toggle, while Android gives more detailed permission options. Your settings matter more than the brand.
How often should I review my app permissions?
Once every three months is a good habit. Also check after installing any new app that asks for location, contacts or files.
Can someone track my phone if location is turned off?
Your mobile network still knows roughly which tower you’re connected to, but apps can’t use GPS. Turning off location for apps you don’t trust stops most everyday tracking.
Take Control of Your Phone in 10 Minutes
You don’t need to be a tech expert to protect your data. Fix your app permissions, switch off ad tracking, hide lock screen previews and lock your UPI apps. That alone puts you ahead of most phone users in India.
Bookmark this page and run through the checklist again after your next phone update. Then share it with a parent or friend who’s always forwarding suspicious links. They’ll thank you later.
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- Apple Support: Control app tracking permissions on iPhone
- Google My Activity: auto-delete and activity controls
- Sanchar Saathi (Department of Telecommunications): Chakshu fraud reporting and Know Your Mobile Connections
- National Cyber Crime Reporting Portal (helpline 1930)