No, you don't need it to start your free trial. After 30 days all your data will be available in read-only mode, and you will be prompted to enter your credit card details.
You will be able to cancel anytime by clicking on "Cancel Subscription" button inside your account. You will have read-only access to your data after cancelling.
Yes, you can import transactions from CSV (Excel).
You can wipe your account and all of its data at any time.
Tell me your situation at HoneyMoney@ildar.ca.
I will try to help you.
Email me at HoneyMoney@ildar.ca.
I respond to all emails personally.