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I paid an adobe Stock subscription for several years but did not use it. Now I have ended my subscription, but I would like to use some of the images I paid for those years. Unfortunately, I can't buy anything. Is it lost?
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Unused credits get lost, yes. Any licensed items stay licenced and can still be used in accordance to the licensing terms.
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The Adobe help pages clearly state that unused credits are lost:
https://helpx.adobe.com/stock/kb/cancel-membership-subscription-stock.html