"Kamesumichachara" means avoiding sexual misconduct, specifically adultery. Men should not engage in sexual activity with women who are protected by their mother, father, relative, or community, women who are already married or engaged, as it can cause distress their husband. Married women should also avoid sexual activity with other men.
There is another type of woman that men should not engage in sexual activity with: "saparidanda" women, who entail punishment. Some interpret this as referring to "women prisoners" (undergoing punishment). Men should also avoid sexual activity with women who are protected by religious sects, such as nuns.
The term "protected" can be understood in different ways. However, ‘atuwa’ is considered a trusted source for interpreting these words.
According to ‘atuwa,’ the concept of protected females is interpreted as follows: for example, Mathu Rakkitha: when her father passed away, her elderly mother provided her with food, clothing, and other necessities with the expectation of arranging her marriage to someone in the future. Similarly, ‘pithu rakkitha,’ goththa rakkitha,’ and others are also interpreted in a similar manner.
In ancient Indian times, females usually got married at the ages of 14, 15, or 16. However, the interpretation provided above for ‘atuwa’ does not mention any specific age.
If a guardian behaves in a protective manner (e.g., not allowing her to do what she wants, giving her advice on what she should and should not do, trying to shield her from male attention), she is considered "protected."("teeka" definition)
The following are other interpretations of "protected mean" given by monks:
Age is not a factor; if a female lives under the care of her parents or guardian (lives, depends), she is considered "protected."
if some one engage sex without females' guardian permission, it will break the precept. (age/maturity/independent doesn't matter)
Mature adult females are not considered or belong to the “protected" category.
Personally, I believe that the third (and last) interpretation
HOWEVER, THAT THIRD PRECEPT BREAKS WHEN MEN OR WOMEN ENGAGE IN SEXUAL ACTIVITY WITH THE WRONG PARTNERS (BECAUSE THEIR SPOUSE OR GURDIAN DOES NOT LIKE IT). BUT IT DOES NOT BREAK WITHOUT DOING SEX...BUT ACCORDING TO SEXUAL RELATE ACTIVITY (WITHOUT ACUAL SEX) THAT PRECEPT CAN DAMAGE.
IF SOMEONE MASTRUBATE THINKS ABOUT THE WRONG TYPE PARTNER, IT MAY BE LITTLE DAMAGE TO PRECEPT.That means COLLECT LITTLE karmas. BUT NOT BREAK PRECEPT.