I'll take your word for it that this is a genuine request for a critique and not just an excuse to advertise your product on this forum.
From what's shown in the picture, I'd say the skin shows promise, but there are several areas you'll probably want to improve before calling it finished. I hope you'll take the following constructive criticism for what it is, and put the feedback to good use. Please understand that while some of the comments will be directed at flaws, none of them are meant to be insulting in any way.
These are in no particular order:
1. The breasts have dark rings around them. Those have got to go. Their presence makes the breasts look like they're not really part of the body, almost as if they came from a different body and were glued onto this one.
2. The collar bones are way too high. On a real person, the collar bones frame the upper chest, running from the crest of the shoulders to the top of the sternum. This person though has her collar bones up in her throat, giving the appearance that she's being choked by them.
3. Partly stemming from the collar bone issue, and partly due to strange highlighting on the chest, the weight of the breasts seems to be pulling on the the throat instead of pulling on the shoulders like it's supposed to.
4. She seems almost to have two sternums, side by side, instead of one in the center of her chest.
5. The shoulder blades are well shaped, but the color of the shading that defines them really doesn't match the color of the skin. It's got a reddish tint to it, which suggests improper use of the burn tool. To avoid that kind of reddening, either burn onto an overlay layer instead of on the actual skin, or else set the tool to burn midtones instead of shadows. Either way, keep the exposure very low and use a very soft brush. You want to gradually build up the shadows over dozens, or even hundreds, of brush strokes, not draw them as lines.
6. There's some conspicuous inconsistency in skin tone. While the lighting around the navel area looks pretty good, the same cannot be said for the breasts, chest, and shoulder blades. If you examine the navel area, the highlights there appear to blend into the surrounding skin tone very naturally. There's an apparent translucency and shine to the skin there, which is great. The other areas look extremely unreal by comparison. Do what you did for the navel in those other areas and you'll have a winner.
7. The pit of the stomach looks a little weird. You've got what could be the beginnings of a nice shadow under the rib cage, but it doesn't work in its present state for two reasons. First, you've got a strange butterfly-shaped highlight right underneath it, which doesn't seem to make any sense being there. Second, the shadow should gently trace the shape of the lower ribs, from the center almost all the way out to the sides, but you've got it only in the center. As such, it makes her look like her stomach has been pushed in somehow.
That's what I see off hand. I hope it's helpful for you.
When I am on a beach in the Mediterranean I don't wear a top - it's normal, some people look but only as much as people look at a pretty girl/fit bloke anyway... it's no big deal 