First of all, welcome to Fish Lore
It's good that you haven't stocked your tank yet. From your readings, I presume you haven't had your tank running for a long time. Am I correct? You have ammonia and nitrite present in your water because your tank is cycling. If you do not know what cycling means, please read about the Nitrogen Cycle that can be found in the Beginners' Articles (which are on the Freshwater Beginners board). Now, ammonia and nitrite are very toxic compounds to fish, and that is why they need to be at zero at all times when you have fish in your tank. Nitrate is less toxic but if its concentration is too high, it can be toxic as well. The general guideline is to keep nitrate below 40 ppm (40 being the max). However, I'd personally not keep nitrate above 20 ppm because a nitrate level of 40 ppm isn't exactly healthy for fish.
Now back to the cycle: it takes about a month to cycle a tank, and it may take longer if you cycle your tank with fish. But as I've said before, ammonia and nitrite are very toxic to fish, so it's best to cycle the tank without fish. You need some matter decomposing though when you cycle fishless, so you can be adding a few flakes of fish food to your tank every day until the tank is cycled (remove the decaying flakes the next day). Your tank will be cycled when both ammonia and nitrite equal zero. Nitrate will be at some number, but if it's too high, perform a large water change before adding fish to your tank. Nitrate is a compound that will be always present in your water after the cycle is finished, but you can keep it very low or at 0 by regular water changes (say, 25 - 30% weekly water changes). Besides, regular water changes are recommended for many other reasons, for example, they do not let any chemicals to accumulate in your water to toxic levels and they remove a lot of decomposing wastes from the bottom of your tank. When you perform a water change, use a siphon tube with which you stir the gravel as you siphon the water out. This way, you remove all fish wastes and uneaten food that was trapped underneath the gravel. If these wastes are not removed regularly, they rot there and they increase your nitrate.
Lastly, when you clean your filter media, clean them in tank water only (take some tank water in a bucket and clean the media there). This is because if you clean them in tap water, chlorine (or chloramine) in your tap water will kill off the beneficial bacteria in your filter that are supposed to keep your tank cycled. And if they're killed off, you'll have to cycle your tank again. And ... if you have fish in your tank already, they may get sick or die from ammonia and nitrite during the cycle. If you read the article about the Nitrogen Cycle, you'll know what I mean by the "beneficial bacteria".
OK, this should be enough to get you started

Ask if you have any more questions.
P.S. When your tank is cycled, that's when you start adding fish. BUT please stock your tank GRADUALLY - adding only few fish at a time. This is because if you add too many fish at once, you may have an ammonia and/or nitrite spike, which may make your fish sick or even kill them.