Children Masturbating

If you catch you child masturbating then now would be the time for you to talk with them about their body, don't tell them that it's wrong to do it even if you're a Christan just tell them that what they do should be a personal thing and alone, but not everyday and that it shouldn't take up all of their time, you should also tell them that no one should touch them "down there" at all for any reason, and take the time to explane what the doctor is doing when they touch them "down there" so there is no confusion of what is going on. Why am I writing this, because when you tell your kids that something as harmless as masturbation you do more harm than good, and you could scar them for life.