Merge pull request #1 from virtix/master

Add licensing template files
Update screenshot link to point to CFPB
Merge small edits by hand
Fix typo in TERMS.md
Copyedit CONTRIBUTING
Copyedit README
Update first sentence of TERMS
Fix typo in README
https a URL on README
Merge pull request #3 from Scotchester/master

Some copyediting and suggestions
https fix
Merge pull request #4 from Scotchester/master

https fix
Add open source checklist and to do item in README