Well, as you can assume, most servers find renders online, and it's fine. That's where the monkey came from :]
However, you still have to do the rest yourself - gradients, size, font, stroke, and other effects - making the monkey+result a collaboration of your efforts, and not just a copy/paste from someone else's efforts on their website.
If you get down to s***, all servers are at fault for that, but you can't really expect everyone to be masters of drawing. You can expect them to be able to read, make a few layers, and stick an image on top of another one, for example. Then at least you're not hurting anyone's feelings / wallet by copy/pasting something that was hard work and potentially cost monies :<
As for copyright, though I'm sure this is a rhetorical question, obviously not, which is why one can't. As well, can't really complain if someone steals it, but it's still better than ripping the entire thing from someone else rather than tossing someting together using Google or common renders.