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Hi, you’ve made a great research, good job! Let me just share with you our article where you can find all the golden rules that should be followed: [https://wiki.trezor.io/User_manual:Security_best_practices](https://wiki.trezor.io/User_manual:Security_best_practices)
Users usually lose access to their funds when they don’t remember their passphrase, or they get confused by the Passphrase feature in general. Therefore, it’s important to really get familiar with the feature and keep the passphrase (as well as the seed) in a safe place.