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With engine's disclaimer in mind, I'd add that the way the photo is used often makes a difference. If the photo is a general news-type shot, there's usually more latitude than if the use is commercial (e.g., as part of an ad). The caption can make a difference, too. A photo of a man in front of a building might be fine if the caption is, "No crowds at store opening", but not so fine if it is, "Serial killers look like normal people."