Interesting. That would indicate Daz have given this some thought, too... Anyway. As Wolf kindly pasted the guidelines above, you can all see that it says "No images in which characters under the age of 18 give the appearance of having no clothes." That means babies need to be wearing nappies/diapers at the least, if the body is included in the image. (By which I mean, if you're doing a portrait shot, you don't need to worry!)

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"you are terrifying
and strange and beautiful
something not everyone knows how to love." - Warsan Shire