Most significantly, if the phone is connected to the internet, it is traceable, and the person whose account it is registered to can, at any time, wipe the iPhone clean and lock you out of it in any way at all. However, you cannot turn off Find My iPhone on the device, you cannot erase the device, and you cannot reactivate the phone to set it up with your details. There are a lot of websites that will tell you that you cannot use it at all but you can still use it as long as the phone isn't passcode protected. If you have an iCloud locked on iPhone, which you do not know the account details for, you can still use it.
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