Within Rights?

Geneva Convention IV, Relative to the Protection of Civilian Persons in Time of War (12 August 1949) has some interesting info on civilians in combat situations.

On one hand:

Art. 3. In the case of armed conflict not of an international character ...

(1) Persons taking no active part in the hostilities, including members of armed forces who have laid down their arms and those placed hors de combat by sickness, wounds, detention, or any other cause, shall in all circumstances be treated humanely, without any adverse distinction founded on race, colour, religion or faith, sex, birth or wealth, or any other similar criteria.

To this end the following acts are and shall remain prohibited at any time and in any place whatsoever with respect to the above-mentioned persons: (a) violence to life and person, in particular murder of all kinds, mutilation, cruel treatment and torture; ...

And on the other hand:

Art. 28. The presence of a protected person may not be used to render certain points or areas immune from military operations.

Art. 29. The Party to the conflict in whose hands protected persons may be, is responsible for the treatment accorded to them by its agents, irrespective of any individual responsibility which may be incurred.

So that means that both Parties can target areas filled with civilians, but are responsible to protect their own?