The words "templates" and "backgrounds" are often used for the same thing in the photography world. Sometimes I accidentally call a background a template and vice versa.
To avoid confusion, on the EASYdigitals.com web site, we call "templates" the products that are used that keep the original background. The templates are used to stylize the photos more and give you areas to add more photos and text.
A "background" or "backdrop" is used if you want to remove a person from their current background and put them in an entirely new environment which is also called a "composite". For example, if they are standing in a studio and you want it to look like they are standing in a stadium or in a locker room.
The "Cutouts" are "templates" and we offer many of them so we made a category for them separately.
Below is an illustration of the difference between a template and a background: