I can simply share a pdf or picture with my banking app and it reads the QR code and prefills all info. Have you tried this?

PSTN, I don’t know of any way to encrypt the call

Many calls are VoIP nowadays though, which could be encrypted depending on your provider and upstream SIP trunks. It’s probably not end to end though, so your carrier can still spy on you.

The screenshots show it’s not just a rating, you can add text to them. Am I misunderstanding you?

Ahh he gets weekends at home, how considerate!

So 120 days or 6 months? Which is it?