kat,
yes, I love to clarify. I've done it before in one of the old threads, but I think it is easier to reformulate than to refind. Here you go:

Religions and (other) belief systems make a lot of statements about the world and out of world things. I don't criticise the majority of these statements for they are not refutable or testable in any meaningful sense. So I could only say 'I don't believe that' or 'I too believe that'.
Some of these statements are testable (immunity against bullets, age of the world, since when are humans in America, ability to fly,...). Such statements are open to criticism, even harsh worded, in my eyes. I've done that and shall do that in future. In my eyes, such statements are opinions, they can be shown to be right or wrong.

However, I have often observed that adherents to a belief system fail to make that distinction (refutable or not) and try to immunise their opinions against criticism by referring to them as beliefs.

Wolfgang