I am interested in registering.  But, before I do, let me present you with 3 scenarios (Keep in mind I live in the United States):

1.)  Someone hacks the site and steals my BTC or USD
2.)  Someone responsible for operating your site messes up and CryptoXChange loses all of my BTC or USD
3.)  Someone steals my CryptoXChange account information from a source outside of you site and uses it to hack my login and steal my BTC or USD

How does CryptoXChange respond to me, the account holder, in each of these 3 scenarios?