I am a bit confused as to the rules here for using images, be they stock photos or stills from movies and movie posters and the like.
I won’t link to specific files, but many high selling authors use these sorts of images in their templates often saying in the description they aren’t included in the download. That is good to know, but they are still using the images commercially (to help promote/ advertise their work).
While I have no doubt some authors buy the stock licenses to allow for the use of stock photos in this way it is unlikely that those with dozens of photos on a web template have done so. Are we supposed to believe that they have also contacted the movie studios and celebrity photogs that have taken the promoshots used on some of the flyers in the market place? If this is okay does this mean that using stock photos without licenses is also okay? If not why one and not the other? What are the rules here exactly? Is there some sort of guidance I can read on the site?

