Thin ice mister, thin ice.
I think you have got it right to an extent - but it is always dangerous using material that is owned by another person or company... You may get pulled up for it but usually you will be asked to remove it and that is it. Unless you are some kind of giant firm blatantly using material in some huge campaign, you will not get into serious bother.
Also, there is the fair use law - where you can use material for non commercial reasons - check out my page on
yellow60.com new media design agency, web design company, brochure designers, photographers, web design, print design and photography in Kettering Northants, Northamptonshire - Yellow60 - the approach and identify link on my page (Colin Marlow)
Hope this helps!