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I like to keep the date stamp on my phone setting for personal photos. This is technically a "watermark". Does this affect a Pokestop nomination? Do I need to turn this feature off every time I want to submit a pokestop?
Yes. You need to turn it off. Otherwise it will get rejected because of Photo quality
You must review according to the guidelines and also submit thing according to what we have been told.
A datestamp in a photo is obviously a bad quality photo, even for your own photos it degrades the photo quality because that date is stored in the metadata of the picture where it belongs.