Are you referring to the password in the mobile wallet when you said secret key? As far as I know you can't use it to restore your wallet since your password isn't recorded in the blockchain itself, only your private and public keys are. I once changed my password on one of my phones using the seed phrase (private keys) but the change didn't carry over to my second phone. So, I assume that your secret key is only stored in your mobile. Long story short, if you lose your seed, you're very likely to be f*cked. Hopefully, you don't lose too many coins.