Yes. Reading your file and making and sharing your cards is free.
No. Your phone or computer reads the file. Nothing is sent to us or to anyone else: this site cannot make network requests with your data.
No. FitMemoir is an independent project and is not affiliated with Garmin.
The .zip that Garmin emails you after you ask for a copy of your data on its "Export Your Data" page. FitMemoir reads it as it is: do not unzip it.
Yes. Open Options and choose the year.
Usually a day or two. With many years of data it can take longer.
FitMemoir adds up Garmin's own daily totals for steps and distance, and can only count the daily summaries that are in your export. Workouts shorter than 5 minutes are left out.