; (D) reputational and dignity harm; (E) financial harm, including price discrimination; (F) inconvenience or expenditure of time; (G) disruption and intrusion from unwanted communications or contacts; (H) other effects that limit an individual’s choices, influence an individual’s responses, or predetermine results or outcomes for that individual; and (I) other demonstrable adverse consequences that affect an individual’s private life, including private family matters, actions, and communications within an individual’s home or similar physical, online, or digital location. (20) Privacy and security impact assessment and mitigation (PSIAM) (A) In general The terms privacy and security impact assessment and mitigation and PSIAM mean, with respect to a digital service, an assessment and mitigation by the operator of the service of risks to the children and teenagers who access the service that arise from the processing of covered information, taking into account privacy risks, security risks, the rights and best interests of children and teenagers, differing ages, capacities, and developmental needs of children and teenagers, and any significant internal or external emerging risks, and ensuring that the PSIAM builds in risk mitigation and compliance with the other requirements of this title. (B) Requirements In conducting a PSIAM with respect to a digital service, the operator of the service shall do the following: (i) Embed the PSIAM into the design process of the service and complete the PSIAM before the launch of the service and on an ongoing basis, and before making significant changes to the processing of covered information. (ii) Publicly disclose the nature, scope, context, and purposes of the processing of covered information. (iii) Depending on the size of the service and level of risks identified— (I) seek and document the views of children, teenagers, and parents (or their representatives), as well as experts in children’s and teenagers’ developmental needs