Nothing I write is directed at anyone. I want that to be clear, I'm only adding my opinion about a question. Someone can disagree with me, and I might be wrong... but I'm not just writing things I made up because I think they are wrong, but because I believe they are facts. Without all the semantics of loan, lend, submit, donate, Etc. The person who created the image, grants the right of use to ChipGuide.Com nothing more. Pick any word you like to describe and define that. USE not ownership.

1) Only the person who creates an image, is the owner of that image. Two people cannot copyright the same image!
2) Rotating, color adjusting, cropping, or other editing, does not make an image the property of someone else, it's still the creation of the original creator.
3) Anything in the collection on the website "Chiipguide.com" or whoever actually owns that data, is protected as soon as they post it on the Internet, other people cannot copy or use that information or the images. (the original creator of course can, because it's still their image)
4) The website is protected as are the contents and it's the right granted from the original creator that allows TCG to USE the image. TCG doesn't not own the rights to the image, but if someone comes to need the image, within the terms of TCG, and wants to use the image that they have the rights for, then the borrower must credit the source, in accordance with the terms of TCG: Give Credit To ChipGuide.com otherwise that person is breaking the law by using the image, without permission.

TCG owns rights to everything on their website, but not the copyright to others images. Just because something is on a website, doesn't mean it becomes Public Domain. TCG has a duty as given to them in the permission granted for use, to protects the rights of the original creator.

Two parties can't own the copyright to the same image.

Here's we go... bottom line? No matter how someone wants to interpret or use personal opinions of what they would like things to mean, the law says:

Copyright is the lawful right of an author, artist, composer or other creator to control the use of his or her work by others. Generally speaking, a copyrighted work may not be duplicated, disseminated, or appropriated by others without the creator's permission.