Phototoxicity occurs when you apply certain essential oils to the skin just before exposure to sunlight.
Cumin essential oil can also cause similar reactions
You can use these citrus oils safely, even with sun exposure:
Products like bar soap, liquid soap, and bath bombs represent the lowest risk because you rinse them off immediately.
Products like facial toner can go either way as the product does come off the skin, but some of the oil may be absorbed into the skin.
I have a facial toner that has grapefruit essential oil that I use for my oily skin, but I only use it at night.