Any DA submissions that I have created can be used for personal or CU without restriction unless STATED OTHERWISE. If the download is a .ZIP file, it should contain the TOU. Basically, I don't require credit but LOVE it (don't we all?). If I submit something derived from other people's work, I always credit those submissions and require that they be for personal use only. No one is making money off these, make sense? The VERY talented artists on DA are kind enough to share their work and I feel we shouldn't abuse it. A link back to my gallery would be fabulous if you want to provide credit and show your appreciation!
Keep the love coming, it inspires me.