AAHH! Sorry for the late reply. I believe that the contest may already be over, but sure, you can always use it for anything you want. The only thing you can not do is sell the template file itself as being yours (as I have found in fotolia.com).
You have to expand the grouped layers, and then you can see the pink layer "design here". There, is where you should paste/design like the Skateboard template. The difference is that this template the "skate top" and "skate bottom" are grouped.
Winters just hitting heavy here and I need a hobby. I chose building a few longboards, looked around for some decent template to run with my first few attempts. Thanks a bunch, these will come in handy!