Does erasing everything on my iPad also remove my photos from the cloud or are they safe?
Does erasing everything (resetting) on my iPad also delete that stuff from the cloud, such as photos, or is that still safe?
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It depends on how you erase your device. If you just erase pictures, they will be deleted everywhere.
If you follow these steps, your data will remain safe: https://support.apple.com/en-us/HT201351
It's always a good idea to make a backup too.