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Back in January I successfully downloaded some files from Adobe Stock. I was able to download these without any additional costs, using my standard plan (Photography Plan 20Gb). Today I tried downloading a file and was not able to do this unless I agreed to change my plan.
Has something changed or am I doing something wrong?
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The Photography plan does not include stock assets.
If you want to acquire stock assets you need indeed either a stock subscription or you need to buy credit packs. https://stock.adobe.com/plans
If you could download assets without a plan, you were probably downloading the free Adobe assets.