When you lock an app on Android, you immediately restrict access on your phone. Here are the steps to follow to lock an app via App Pinning.

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Google explains: "You can pin an app's screen to keep it in view until you unpin it. "For example, you can pin an app and hand your phone to a friend.

This is the most common trigger that locks your retirement app. Most apps allow three to five attempts before locking you out ...