I wonder why it is specifically happening in these areas more so, when your baby is not even old enough to go on her own and play dirty in the parks on her own. I think clean these areas nicely while giving her bath, keep them covered, like make her wear cotton clothing which is preferably full sleeves. But I think you must check with her PD because skin getting darker in these areas happen with big girls and women, for pigmentation at this age would be better to get advice from the doctor.
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Mum of one beautiful princess ?