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Fingering
There is only a theoretical risk of HIV from fingering. The only problem could come about if you have deep cuts or sores on your fingers, or have long finger nails. If you have cuts, use other fingers, or cover the cuts in waterproof plasters. If you are worried that these might come off, or if the skin is broken, then use latex gloves.
If you are going to insert long or rough finger nails into someone's rectum or vagina, remember that this can cause cuts and tears. Not only is this likely to be a bad idea anyway, but it there is also a risk of HIV transmission if you have cut or otherwise damaged skin on your fingers. Keep fingernails short for fingering.