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After purchasing the bear picture, I will simplify the picture into a vector image with an illustration program. In this case, is there a problem with the copyright law even if I sell it as a T-shirt?
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With an Extended License, you may indeed create merchandise (e.g. T-Shirts) and sell it:
Ā» https://stock.adobe.com/license-terms#extendedLicenses
See also: https://helpx.adobe.com/stock/help/usage-licensing.html (under "Can I edit the assets that I license?")
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When you buy licence, you can use the licenced asset according to the licensing terms which include only a few restrictions. This is true for any licence type.
An extended licence will allow you to put the asset on mugs, t-shirts or posters or similar and to sell those. There's no difference between a modified or unmodified asset in this sense.
Look here for more information on licensing: https://community.adobe.com/t5/stock/links-for-licensing-terms/td-p/11366788
(Disclaimer: As always with licensing, this is my interpretation of the rules. I think they are correct and advice is based reading and interpreting the licence terms and on fair use for both the buyer and the artist/stock company, but I cannot rule out that my interpretation is wrong. I'm not an Adobe employee).