so bacicly
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you make it - than you are sure its 100% free
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somebody alse make it - and its markes as royalty free or free for both private and comeerial use -= its again 100% free to use in episode
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somebody else make it but it is only for privat use - this one is questionable and is bwtter to not use it since you yourself use it for personal use but the app is comertial so if episode mkes any also thanks to the overlay or the BG than it is not OK - you can ask for permition the owner or you can buy the licence for comertial use if it is offeredand then you can use it.
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somebody else did it and requieres credit for using on episode - if the credit is insta name its OK to use (usualy artists who make BG and overlays direcltly for instagram), if the credit is how ever to write down webpage (usually the png pages and similar stuff), than you cant use se it because episode doenst alow adds in form of other webpages.