Are ancestry DNA tests accurate and safe? Is it worth taking one?

So, I've been wanting to take a DNA test for a while now, since I am curious about my ancestry (I've been trying to find information about it for ages now). However, I've got a nagging feeling that it might be silly to give a private company my literal DNA. Having read their conditions, they seem to be under no obligation to discard/destroy DNA after test results etc.

I've heard somewhere that some companies could sell that data to other companies and may use your DNA as a means of rejecting you from things such as medical insurance..

Are there any companies which are trustworthy and creditted? And do the benefits outweigh the risks? Can a DNA test really tell you where your family was from, or is it just a scam? Plus, is poking around in the past and stirring up old secrets, wise?

Are ancestry DNA tests accurate and safe? Is it worth taking one?
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