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I would personally adhere to US Beachwear rules unless mods specify otherwise.
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No nipples, exceptions being for explicitly male, of photographs of cultures that generally do not cover breasts, or certain artistic or medical references.
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No pubic region that reveals any genitalia or anus.
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There is no third rule, literally anything goes, including the image you were wondering about.
So while some people might object to a lot of the content we see, I don’t personally think it is problematic. Especially when your instance has images collapsed by default, except for thumbnails.
Those don’t require an NSFW tag because they’re actually strictly illegal throughout most of the world. You should report those regardless of if it’s got the correct tags, if not to the moderators then to the authorities.