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macrumors 6502a
Original poster
Jan 9, 2009
I want to use Apple Pay, but it requires iCloud. Since I'm wary of iCloud (Apple holds all the encryption keys, after all), I want to know that if I enable iCloud to set up Apple Pay, do I have time to first configure iCloud before it starts copying everything up to Apple's or their third-party servers (aka, "the cloud")?

IOW, I want to be able to tell iCloud to just use Apple Pay for iCloud but nothing else and I want to do that before the iPhone starts copying data to the Apple servers.

Thanks in advance,


macrumors 68020
Sep 2, 2013
Yes. You’ll see toggles in iCloud settings that you turn on or off.
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