Step 1: Understand the question.
The Information Technology Act, 2000 separates civil liability from criminal liability for misuse of computers. We must find when the conduct becomes a criminal offence rather than just leading to compensation.
Step 2: Know the dividing idea.
The key difference is the presence of a guilty mind (mens rea). Civil liability arises from unauthorized acts causing loss. Criminal liability needs a dishonest or fraudulent intention.
Step 3: Look at civil liability.
A person may face civil liability when he accesses a computer without permission, downloads data without authority, plants a virus, or causes damage. Here the affected party may get compensation.
Step 4: Apply Section 66.
Section 66 says that when acts covered by Section 43 are done dishonestly or fraudulently, the conduct becomes a crime. So unauthorized access alone may give compensation, but unauthorized access with criminal intent leads to punishment.
Step 5: Understand dishonest or fraudulent intent.
Such intent involves wrongful gain or loss, data theft, financial fraud, identity theft, or deception for unlawful advantage.
Step 6: Check the options and answer.
Criminal liability does not depend on the victim's choice, nor on crossing a money limit, nor on mere access without intent. It needs the act to be done dishonestly or fraudulently along with unauthorized access.
\[ \boxed{\text{When the act is done dishonestly or fraudulently in addition to unauthorised access}} \]