Some people choose to ignore copyright protection, which is really sad. If you personally want to create layouts for others using these elements, you would need written permission from Disney stating what you are allowed to use, and how you are allowed to use it. To put it one way, it is better to be safe than sorry when you do this as a business.

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Colleen in Friendly Manitoba...
Proudly selling digital designs at SBB
(Come take a peek at my Gallery or check my BLOG to see what I'm up to)