I don’t use a VPN and the list that comes up for me here isn’t remotely accurate

If you can charge the fee you can tell me about. Sounds pretty simple.

I would assume companies like this store any data you give the. What’s going to stop them?

I believe most clients allow you to limit the upload rate so I would set that to something that is less than your max upload rate so that it almost never causes an issue. The limit of torrents it more limited by your network and what your computer can handle.