So just went through some of my apps to make sure permissions are all in order.
I get to my Intact Insurance app and I see everything turned off as I had but obviously over the course of some updates they have pushed out on my Android phone, "Physical Activity" is turned on?!
I believe this can track your walking, driving, running habits. Basically they can see if I was talking/texting and driving or other info that could be used without my overt acceptance.
Just a warning for all to go check that app if they have it.
Sneaky bastards!