For the full end user agreement click the link
http://office.microsoft.com/en-gb/tou.aspx
This is the section that deals with clipart (as an example - you may use
clipart in an access the you charge for PROVIDEING that the media is NOT the
primary chargeable product)
Note this section
You may copy and modify the Media Elements, and license, display and
distribute them, along with your modifications as part of your software
products and services.
Enjoy your reading <
1.2 License Grant for Media Elements. The Software may include certain
photographs, clip art, shapes, animations, sounds, music and video clips that
are identified in the Software for your use (together "Media Elements"). You
may copy and modify the Media Elements, and license, display and distribute
them, along with your modifications as part of your software products and
services, including your web sites, but you are not licensed to do any of the
following:
You may not sell, license or distribute copies of the Media Elements by
themselves or as part of any collection, product or service if the primary
value of the product or service is in the Media Elements.
You may not grant customers of your product or service any rights to license
or distribute the Media Elements.
You may not license or distribute any of the Media Elements that include
representations of identifiable individuals, governments, logos, initials,
emblems, trademarks, or entities for any commercial purposes or to express or
imply any endorsement or association with any product, service, entity, or
activity.
You may not create obscene or scandalous works, as defined by federal law at
the time the work is created, using the Media Elements.
In addition, you must (a) indemnify and defend Microsoft from and against
any claims or lawsuits, including attorneys' fees that arise from or result
from the licensing, use or distribution of Media Elements as modified by you,
and (b) include a valid copyright notice on your products and services that
include the Media Elements.