The big thing about copyrighted images are intentions. You read the site's TOU terms of usage and they'll usually say so long as you don't plan on selling them, they're fine. Gift points aren't technically selling, is the thinking, nor is it but nominal. It used to be much more restricted, but it's pretty lax now.
You can't use selina fenich or amy brown, those be true artists who make a living on their art. There are some artists tho that allow use, usually just personal, like a desktop wallpaper and such. I hate those sites ya gots ta pay for! It's how they do it a lot nowadays.
Isnt getty images all open stock (free)? Hmm. At least you have photoshop brandi! Very helpful. Adding text without changing em is considered fine for most.
If ya'all reply to the first post, it won't go screaming off the page lol. But it can get confusing who you're talking to. I think I'm going back to bed, long night!
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