One 2nd user/Free Acct... or One 2nd user/Free App? Free to enter data or just to view data?

One 2nd user/Free Acct... or One 2nd user/Free App? Free to enter data or just to view data?

1 - With a free account you get two users and three apps... right?
2 - Is that the account owner plus two users?
3 - Or is it the account owner plus one user?
 
4 - In addition to the account owner can there be... a different user (or two) assigned to each App?
5 - And, does each "user" have to have a Zoho Account?
 
I was hoping to setup the 3-free apps and then have a different user for each App... in other words...
 
John could add or edit records in App A
Mary could add or edit records in App B
Becky could add or edit records in App C
 
Thanks for any help.