Hi Mala,
I have a similar problem and avoid eye contact like the plague! I don't look at peoples private parts but I look anywhere else. I know why I do it, because I have no self esteem and think very poorly of myself and sometimes I think that I dont even deserve to look someone in the eye. T has brought this up with me sometimes but I explianed to her that I was too ashamed to look her in the eye because we were discussing private things. Maybe you feel ashamed or not worthy subconsciously???