Hi Deb, I do not have the Bitwarden app on my phone. I only have Bitwarden on my computer. But I do have my two-factor authentication on my phone, and not my computer. Thus if I lose one or the other, and if they were able to gain access to either app, no one can have access to my accounts. Again, this is the concept of compartmentalization. But, I also say that you have to be careful accessing Bitwarden when you are away from your trusted network. Yes, you can log into a site from a coffee shop or such, but you have to be more careful. Make sure your VPN is turned on. Make sure no one is looking over your shoulder or that any cameras are watching you. Make sure that you have two-factor authentication turned on. And even in the best case, I would still be cautious and I would be reluctant to log into anything really sensitive, such as a bank.