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At the risk of getting flamed, I believe that the terms speak for theirselves. It's copyright infringement anyway you look at it. If the terms say you can't use it for commercial use then you can't use it for commercial use in any way shape or form! A good example of this is Disney. A day care center used their cartoon characters on their building and Disney sued, they won and to make a long story short the characters were taken off the building! I think that you should put yourself in the copyrighter's shoes. You work hard and slave labor over a graphic/model whatever and someone is making money off of your work and you're not seeing a dime! How would you feel then? Of course its alright if you the copyrighter gives your permission but can you at least see the point?