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.