Factors relating to the impact of a contravention committed by a firm include:
(a) the level of benefit gained or loss avoided, or intended to be gained or avoided, by the firm from the contravention, either directly or indirectly;
(b) the loss or risk of loss, as a whole, caused to consumers, investors or other market users in general;
(c) the loss or risk of loss caused to individual consumers, investors or other market users;
(d) whether the contravention had an effect on particularly vulnerable people, whether intentionally or otherwise;
(e) the inconvenience or distress caused to consumers; and
(f) whether the contravention had an adverse effect on markets and, if so, how serious that effect was. This may include having regard to whether the orderliness of, or confidence in, the markets in question has been damaged or put at risk.