Basically its a vulnerability within SSL. When you visit a secure website you see the golden padlock on your address bar. Well turns out its been compromised for some time and that the details you thought were secure might not have been.
The only thing users can do is reset their passwords. It is up to the websites using SSL (banking, home shopping, email etc.) to patch their servers to protect our data.
If you want to check the website you are using is affected go to the link below and type in the url of the website you are going too.
http://filippo.io/Heartbleed/hope this helps somewhat.
Allymc316