Yea, everyone always blames me for everything
That's ok, when you make your first million, I want a 1% finders fee!
Yep, you can add whatever html you want to that template.
To hide help.tpl, comment it out of customer/home.tpl. Have a look at this guide which will help you understand the basics of template editing:
http://forum.x-cart.com/showthread.php?t=21529