A Contributor is any user who has been granted access to another user's content, whether read-only or as a content contributor. Contributor only access is indicated by the orange flag under your nae at the top left of the menu.
Contributor Only Access occurs when you have no current engagements with any organisations on Cloud Journals (or if the organisation with which you are engaged has not paid their CR360 account). Contributor only access means that you can't create or modify your own content (i.e. journals, learning logs, etc.). However, you can still contribute to anyone who has invited you as a contributor to their content.