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Redditor has worst possible experience with Google’s new Find My Device network
(www.androidpolice.com)
This is a most excellent place for technology news and articles.
Is Apple's network opt-in?
Sort of. It asks as part of a series of questions on first boot when you sign up for a new account at the same time, but it defaults to yes, so idk if you would count that as opt-out or not.