1) You may use them in different websites, use them as your signature, use it for your websites etc.
2) A CREDIT is needed, every time you use them ^^
Example: Banner made by: Lorry
Set made by: Lorry
3) How do you credit? you may just say "Banner by: Lorry" as long as "By: Lorry" is there XD
4) I highly appreciate it If you credit me by linking back to my livejournal ^^
Example: Banner by: Lorry (http://nurse-lorry.livejournal.com/
5) Please DO NOT say that you made my banners/Photoshop works
6) If you want to edit my works, please ASK PERMISSION ^^
7) NO CREDITS ARE UNACCEPTABLE ~~
8) Please refrain from using banners/wallpapers (etc.) with fanarts in them, please ask the original artist for permission. Unless, I said that Himaruya made them, then you're free to use them (Himaruya approves us to use his fanarts)
9) Fanarts in my banners/wallpapers can be used for personal use too ^^ please refrain from posting them in the internet.
Example: Wallpapers may be used as a desktop picture
Thank you for your understanding ^^