true but not quite. They strip it. Store the original and the meta data in their own database (because data on people is what gives them value) then they serve the stripped down quality one.
It should be 100% of the months you have used that year. e.g. if non contract is $20 and contract is $10, and you used the service for 5 months you owe $50
Wrong, You can clone NFC quite easily, You cant clone a bank card however. This is why you cant just get a NFC chip implanted and clone your bank card onto it.