I am so confused on how to setup for my needs

Hi Dropbox is an optional feature that you can use from Smartware or from the My Cloud app. You can setup an account for each user so they can access the My Cloud remotely, check page 65 of the manual for the steps. 

http://www.wdc.com/wdproducts/library/UM/ENG/4779-705103.pdf#page=65

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