I'm quite new to fotolia (and this is my first post here, so btw hi all

) and some time ago I noticed "Credits Validity" on fotolia.
I'm kind of worried - is this correct that if don't exchange my credits into money to paypal or anything after a year they will simply disappear? I guess there is usual limit - you can't get your money under $50 or similar? Or maybe this concerns only buyers?
Here's what is on the site:
"Credit Validity
Credits can be used for 365 days from the date of purchase. After 365 days the Credits cannot be used and their value is lost. The member waives any claims in respect to this time limit."
It's not much (few credits I believe) since their submission procedures discouraged me and I wasn't submitting to this stock much, but still it's kind of worrying that the credits can disappear...
Sorry if I double post this, I couldn't find my answer anywhere. If the subject was discussed earlier, pls give me the link.
Hugs from Poland,
Paula