Underarms and inner thighs are where this category overclaims hardest, and where the overclaiming does real harm. The velvety, symmetrical darkening that shows up in body folds is frequently a skin sign of something internal, commonly insulin resistance or hormonal conditions. A cream cannot address that, and a brand that sells one anyway is charging a woman for not telling her. So those zones carry behaviour advice and a doctor line, and nothing else.
Where a product honestly belongs, it appears with its limits attached: the serum and lotion support the appearance of tone on pressure zones over months, and no zone on this page carries a removal promise, because removal is not what cosmetics do. The one timeline question this page cannot answer per zone, how long a given mark takes to fade, has its own tool.