Yes, I always ask the owner and explain what it's for. The answer is always "NO!" The usual reason is that it harms the fish. When I try to explain that I don't use any lights and the fish won't even know I've been there, the owner just gets even more deeply entrenched in his position.
The only plausible explanation I've ever been able to come up with is that they might have some illegal creatures in the tanks and don't want any photographic evidence.
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