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You could be having something called Melasma. It is darkening of the skin around the upper part of cheeks and around lower part adjacent to eyes. It happens due to hormonal disorders and exposure to sunlight. I suggest that you wear Sunscreen SPF25 once a day. Avoid sun exposure. Eat plenty of fresh fruits and green leafy vegetables. Drink plenty of water. Biopsy is not required unless it is doubtful to make diagnosis. You may be having associated hormonal problem due to ovarian cyst
or other causes. Application of hydroquinone
containing creams may help in reducing pigmentation. Microderm
abrasion and laser therapy
also can help to remove this. Consult your Dermatologist
of these treatment options and get a proper solution.