Sorry, I should have noted. I haven't installed any apps from banks, FB, Amazon, ebay, credit card companies, reward programs or anything like that on my cell. Sure, there are apps in my cell that I basically can't uninstall that track. Just not one's I've installed myself.
I can understand FB and rewards programmes, but can I ask what level of privacy you believe you're achieving by logging into your bank on your laptop instead of your phone? Same for Amazon, eBay, credit cards.
You can choose to not allow location tracking on those apps if that's your concern.