I'm using a Lumia 920 with Windows Phone 8.1. I generally keep location services disabled, unless I actually need them (e.g. for the HERE apps or Foursquare). However, occasionally I see the location icon in my phone's status bar, indicating that some app is accessing my location:
As you can see from the third quick action, location services are disabled, but the icon shows up at the top. How is this possible? Does this mean that some apps or system functionality can bypass the location services setting? Or does it mean that I've only disabled GPS and apps are still able to determine my location via other means like cellular or wifi triangulation? Is there any way I can check which app triggered the icon?