These template kits are more than just a template. You will get a layered template in both PSD and TIF formats. This includes layers with photo clipping mask layers. Plus you will get a background, clusters, and elements. This allows for versatility in creating pages. You can move, resize add or omit elements to your liking. Files are high-quality printable digital files. They can be used for scrapbook pages or as printed wall art - just add your photos. They are created at 300 dpi and saved as JPG or PNG files. Backgrounds (digital papers) are 3600px x 3600px at 300 dpi JPG. Clusters and Elements are PNG files at 300 dpi. When you purchase you will receive the product via email immediately after. (Check your spam folder if you do not see it.) There are no returns/refunds available on digital downloads. This kit is for personal use only.