You can give it to a family member. This is the policy for Disney Corp., Hanna-Barbara and many others. You may not sell or resell a cap with a copyrighted character on it. There was a book of Disney characters formatted for needlepoint available maybe 15 years ago, I don't know if it is still in print. This was published with proper copyright and registered trademark permissions for the purpose of people making pillows, sweaters, etc. with the Disney characters for themselves and their families.
Clip art is made and sold for reproduction use.
Any clip art packages, printed or on computer disk, can be copied and used in resale merchandise, unless otherwise specified. As for Hallmark wrapping paper or cards, if you want to use one for a tablecloth for you Mom, go ahead. If you want to sell tablecloths write Hallmark and ask. Who knows, maybe they don't disapprove as long as you are embroidering the motifs, not printing more greeting cards or wrapping paper. As for coloring books, etc., well, anything can be inspiration.