Is there a way to lock the settings altogether so the child can't go into it?
Is there a way to lock the settings with a passcode on any iPhone so that the child can't go into it?
iPhone 13 Pro Max
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Yes.
It is not clear whether you are setting Screen Time Passcode for your device or your daughter's Screen Time Passcode through your device.
Please see the pic below which is self-explanatory.
Set Screen Time Restrictions for your Child using Parental Control.
Please see the pic below which is self-explanatory.