Grunge is popular now. Used as scrapbook background for your memories.
Also used in collage sheets, hang tags, gift cards, on and on.
This one is a simple photo I had taken of our front courtyard.
I used an old grunge paper and lowered the opacity to about 70. Faded just
enough to allow other objects to be used without interference from
the background. That was
all there was to it.
Free to use as you please. No restrictions.