Straight answers.

When does my membership actually start?

After you verify email and an administrator verifies payment.

Can someone use my card number to open my records?

No. The number and QR code are not a login. The app asks for your email or mobile number and a one-time code.

Do you store my GCash PIN or card CVV?

Never. Manual payments only keep a reference, the method you chose, and optional proof.

Is this for emergencies?

No. Call local emergency services for chest pain, trouble breathing, or any life-threatening situation.