What is Telus network, and what does cellcom iPhone means?

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http://about.telus.com/community/english/about_us/technology_%26_innovation/telus_networks
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http://www.cellcom.com/device.html?id=257#.U-lZ-2OHOKw

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When iPhone displays white screen that says Hello that means all the data and settings are gone? I recently sold my old phone on eBay and I'm going to ship it tomorrow. When iPhone displays white screen that says "Hello" that means all the data and settings are gone, right? I did Settings > General > Reset and then I selected Erase All Content and Settings. I'm just checking because I don't want to put my personal information at risk.
What's the difference between off-network and on-network? I'm try to work out which is best for what I want out of the service. I want protection while on my iPhone 5 (both when connected via Wi-Fi and when roaming on 3/4G). Website with product details: http://www.umbrella.com/products/umbrella-security-features/
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What does 2 year contract means? I'm 13 years old and i want a phone! I'm saving money to buy a phone, i'm thinking on an Iphone 5s so i found this phone thats 599.99$ but with two year contract it'll be 149.99$ but then there's 20$/mo i actually don't get it… What does 2 year contract mean? Cuz honestly i don't understand num.