You will notice that whenever you download a digital scrapbooking
product (or even purchase one), inside the zip file there is usually one
useless when you create layouts for yourself, but it has some very
important information for you. All digital products are not created
equal. All designers do not have the same requirements. Some will allow
you to create only layouts for yourself. Some will allow you to create
layouts for others and get paid for it. Some will allow you to use the
material to embellish a blog. Some will require you to give them credit,
some don’t require it (although it is a good idea to try to credit them
all the time).
The TOU document might also include contact
information for that particular designer, so you can contact him/her if
you have any question.
Make sure you keep those TOU files. If you don’t read them now, you will at least have them on file when you need them.