So looking at your tems of service, it seems like you expect people to
take on their free time to contribute to the content of your website
that only you will be able to cash on? Hope it works out for you.
Maybe you could be print books on how to invest later using your user
content and make big bucks on the behalf of your users. Here is an
idea: invest in a community web site to get some content for free from
people and be the only one to cash on, oops I guess you already got
that one.
This reminds me of the great ED definition of social networking:
Social delusion, aka unwarranted self-importance is what enables Web
2.0 so fucking profitable -- a hive mind community believing their own
desires, dreams, aspirations and individuality are important create a
massive amount of clicks, hits, and in turn, money for the owners, who
promptly shit the users out in the cold.
http://www.encyclopediadramatica.com/Social_networking