If you are using digital kits and elements created by someone else in your scrapbooks, you should not share them with anyone else. So, creating a template for your own use would be fine, but you should not upload it here or give it away for other people to use. On the other hand, you can certainly use those kits in your scrapbooks and then publish your finished scrapbook as JPG image using Scrapbook MAX! and then share your finished work in the gallery. That's really what those kits are for - they're fantastic for use in your Scrapbook MAX! projects, but you can't "redistribute" the individual image files - just the results of your work, which is the best part anyhow!
Scrapbook MAX! 2.0 is here!. It's simply better digital scrapbooking software!