About a minute, no card, and your local history migrates. Your free key (FIDACY_ENGINE_API_KEY, shown right after signup) reactivates the firewall instantly.
Privacy: the reference in this URL is the id your install generated locally. It maps to usage counts plus the operational telemetry described in the privacy policy (your IP and derived country, never payment content). Fidacy never sees payees, amounts or any content from your machine until you decide to connect an account.