2026 PARTICIPANT AGREEMENT, RELEASE, AND WAIVER OF LIABILITY

(Digital Coaching & Education)

In consideration of the opportunity to participate in an individual session, group coaching session, workshop, course, membership, digital product, community space, or event (collectively, the “Services” or “Event”) organized and operated by Rainbow Willows LLC and Bella Crum, their employees, agents, contractors, or representatives (“Coach”), I, the undersigned (“Participant” or “Client”), on behalf of myself, my spouse, next of kin, heirs, agents, assigns, and legal representatives, hereby acknowledge, appreciate, and agree as follows:

1. Scope of Services / No Medical or Mental Health Treatment

The opinions, services, and instruction offered by Rainbow Willows LLC, Bella Crum, or any other instructor are provided at my request and do not constitute medical advice, medical consultation, psychotherapy, clinical counseling, diagnosis, or treatment. Services do not include medical, mental, physical, or spiritual diagnoses.

I understand that the educational and coaching services provided are not a substitute for medical care, mental health care, psychotherapy, substance use treatment, or other professional services, and are not intended to replace such care now or in the future.

Coach makes no representations, warranties, or guarantees regarding any specific outcomes, results, or cures of any kind.

2. Coaching Relationship & Client Responsibility

Client understands that coaching is not therapy and does not prevent, cure, or treat any mental disorder or medical disease. Client is solely responsible for their physical, mental, emotional, and relational well-being, decisions, choices, actions, and results arising from participation in the Services.

Coach is not and will not be liable for any actions or inaction of the Client or for any direct or indirect result of the Services provided.

Coach may refer Client to other professionals if needs arise that are outside the scope of coaching services.

Client may terminate participation at any time, subject to any applicable refund or cancellation policy referenced elsewhere.

3. SEP Training Disclosure

Client acknowledges that Coach Bella Crum is currently enrolled in a training program through Somatic Experiencing International at the Advanced Level and has not yet obtained SEP certification. Coach participates in individual and group consultation, and Client’s case may be discussed in those settings with identifying information withheld.

4. Comprehensive Nature of Coaching

Client acknowledges that coaching may involve exploration of multiple areas of life, including work, finances, relationships, health, identity, and personal development. Client remains exclusively responsible for how insights are interpreted and implemented.

5. Format of Services

Sessions are conducted virtually. Coach does not provide crisis services or 24/7 support.

6. Assumption of Risk

Client understands and acknowledges that coaching, embodiment, somatic awareness, group exploration, and reflective practices may involve emotional discomfort, physical sensations, increased awareness, memories, feelings, or stress responses.

Client voluntarily assumes all risks, known and unknown, associated with participation in the Services and agrees to self-regulate participation, pause or stop exercises as needed, and seek outside support when appropriate.

7. Emergency & Crisis Disclaimer

Client understands that Coach is not an emergency or crisis service provider. In the event Client experiences emotional distress, suicidality, or a medical or mental health emergency, Client agrees to seek immediate assistance from local emergency services, a crisis hotline, or a qualified professional.

If Coach reasonably believes there is imminent risk of harm based on information shared, Coach may contact emergency services or take steps deemed necessary for safety but does not guarantee intervention and assumes no duty beyond reasonable action.

Client is responsible for all costs associated with emergency care.

8. Confidentiality & Its Limits

The coaching relationship is bound by principles of confidentiality. However, the Coach-Client relationship is not legally privileged. Coach agrees not to disclose Client information without written consent, except as outlined below.

Confidential Information does not include information that:

• Was previously known to Coach

• Is generalized and/or anonymized 

• Is publicly available

• Is received from a third party without breach

• Is independently developed

• Is required to be disclosed by law, subpoena, or court order

• Indicates imminent risk of harm to Client or others

9. Group Settings & Community Confidentiality

Client acknowledges that in group coaching, workshops, courses, or community spaces, Coach cannot guarantee the confidentiality of other participants.

Client agrees to respect the privacy of others and not to share or disclose identifying information, stories, or content from other participants. Breach of this expectation may result in removal from Services without refund.

10. Recording, Replays & Media Consent

Client agrees not to record sessions or Events in any form, including screenshots, audio, or video.

Client acknowledges that Coach may record group sessions or educational content for purposes including replays, internal training, or program delivery. Any such recordings will not intentionally identify Client without consent.

By participating in group settings, Client grants permission to be present in recordings, with the understanding that reasonable efforts will be made to protect privacy.

11. Digital Privacy & Technology Disclaimer

Services are delivered via third-party platforms. Coach takes reasonable steps to protect confidentiality but cannot guarantee absolute security or uninterrupted access and is not responsible for platform outages, breaches, or technology failures beyond reasonable control.

12. Right to Refuse or Terminate Participation

Coach reserves the right to refuse, suspend, or terminate Client’s participation and access to Services at any time for behavior that is disruptive, unsafe, abusive, harassing, boundary-violating, or otherwise inconsistent with community standards, without refund.

13. Social Media & Public Interaction

Client understands Coach maintains a public online presence. Any interaction initiated by Client on social media is voluntary and at Client’s discretion. Coach may share anonymized themes or insights from sessions but will not disclose identities without consent.

Social media content does not constitute coaching advice.

14. Electronic Communication

Coach may communicate via email or platform messaging for scheduling, logistics, and resources. Processing or therapeutic work is not conducted via text-based communication.

15. Intellectual Property & Use of Materials

Client is granted a non-transferable, non-exclusive, limited license to access and use materials for personal, non-commercial use only.

Client agrees not to reproduce, distribute, sell, share, repurpose, use in professional settings, feed into AI systems, or create derivative works from any materials. Unauthorized use constitutes a breach and may result in termination and legal action.

16. Indemnification & Release of Liability

Client agrees to indemnify, defend, and hold harmless Rainbow Willows LLC and Bella Crum from any claims, damages, losses, or liabilities arising out of participation in the Services.

Client fully releases and waives any and all claims arising out of or connected with participation, to the fullest extent permitted by law.

17. Limitation of Liability

Coach makes no warranties, express or implied. In no event shall Coach be liable for indirect, incidental, consequential, or special damages.

Coach’s total liability shall not exceed the total amount paid by Client for the Services.

18. Governing Law & Dispute Resolution

This Agreement shall be governed by the laws of the state in which Rainbow Willows LLC is registered, without regard to conflict of law principles.

Any dispute shall first be attempted to be resolved through good-faith mediation. If unresolved, disputes shall be submitted to binding arbitration. Client waives the right to a jury trial.

19. Acknowledgment

I acknowledge that I have read and fully understand this Participant Agreement, Release, and Waiver of Liability, and agree to be bound by its terms.

In Person Event Consent

This agreement is for participants 18 years of age or older only. By signing below, I represent that I am at least 18 years old and legally competent to enter into this agreement. (Digital Coaching & Education) In consideration of the opportunity to participate in an individual session, group coaching session, workshop, course, membership, digital product, community space, or event (collectively, the “Services” or “Event”) organized and operated by Rainbow Willows LLC and Bella Crum, their employees, agents, contractors, or representatives (“Coach”), I, the undersigned (“Participant” or “Client”), on behalf of myself, my spouse, next of kin, heirs, agents, assigns, and legal representatives, hereby acknowledge, appreciate, and agree as follows: 1. Scope of Services / No Medical or Mental Health Treatment The opinions, services, and instruction offered by Rainbow Willows LLC, Bella Crum, or any other instructor are provided at my request and do not constitute medical advice, medical consultation, psychotherapy, clinical counseling, diagnosis, or treatment. Services do not include medical, mental, physical, or spiritual diagnoses. I understand that the educational and coaching services provided are not a substitute for medical care, mental health care, psychotherapy, substance use treatment, or other professional services, and are not intended to replace such care now or in the future. Coach makes no representations, warranties, or guarantees regarding any specific outcomes, results, or cures of any kind. 2. Coaching Relationship & Client Responsibility Client understands that coaching is not therapy and does not prevent, cure, or treat any mental disorder or medical disease. Client is solely responsible for their physical, mental, emotional, and relational well-being, decisions, choices, actions, and results arising from participation in the Services. Coach is not and will not be liable for any actions or inaction of the Client or for any direct or indirect result of the Services provided. Coach may refer Client to other professionals if needs arise that are outside the scope of coaching services. Client may terminate participation at any time, subject to any applicable refund or cancellation policy referenced elsewhere. 3. SEP Training Disclosure Client acknowledges that Coach Bella Crum is currently enrolled in a multi-year training program through Somatic Experiencing International at the Advanced Level to obtain SEP certification. Coach participates in individual and group consultation, and Client’s case may be discussed in those settings with identifying information withheld. 4. Comprehensive Nature of Coaching Client acknowledges that coaching may involve exploration of multiple areas of life, including work, finances, relationships, health, identity, and personal development. Client remains exclusively responsible for how insights are interpreted and implemented. 5. Format of Services Sessions are conducted virtually. Coach does not provide crisis services or 24/7 support. 6. Assumption of Risk Client understands and acknowledges that coaching, embodiment, somatic awareness, group exploration, and reflective practices may involve emotional discomfort, physical sensations, increased awareness, memories, feelings, or stress responses. Client voluntarily assumes all risks, known and unknown, associated with participation in the Services and agrees to self-regulate participation, pause or stop exercises as needed, and seek outside support when appropriate. 7. Emergency & Crisis Disclaimer Client understands that Coach is not an emergency or crisis service provider. In the event Client experiences emotional distress, suicidality, or a medical or mental health emergency, Client agrees to seek immediate assistance from local emergency services, a crisis hotline, or a qualified professional. If Coach reasonably believes there is imminent risk of harm based on information shared, Coach may contact emergency services or take steps deemed necessary for safety but does not guarantee intervention and assumes no duty beyond reasonable action. Client is responsible for all costs associated with emergency care. 8. Confidentiality & Its Limits The coaching relationship is bound by principles of confidentiality. However, the Coach-Client relationship is not legally privileged. Coach agrees not to disclose Client information without written consent, except as outlined below. Confidential Information does not include information that: Was previously known to Coach Is generalized and/or anonymized Is publicly available Is received from a third party without breach Is independently developed Is required to be disclosed by law, subpoena, or court order Indicates imminent risk of harm to Client or others 9. Group Settings & Community Confidentiality Client acknowledges that in group coaching, workshops, courses, or community spaces, Coach cannot guarantee the confidentiality of other participants. Client agrees to respect the privacy of others and not to share or disclose identifying information, stories, or content from other participants. Breach of this expectation may result in removal from Services without refund. 10. Recording, Replays & Media Consent Client agrees not to record sessions or Events in any form, including screenshots, audio, or video. Client acknowledges that Coach may record group sessions or educational content for purposes including replays, internal training, or program delivery. Any such recordings will not intentionally identify Client without consent. By participating in group settings, Client grants permission to be present in recordings, with the understanding that reasonable efforts will be made to protect privacy. 11. Digital Privacy & Technology Disclaimer Services are delivered via third-party platforms. Coach takes reasonable steps to protect confidentiality but cannot guarantee absolute security or uninterrupted access and is not responsible for platform outages, breaches, or technology failures beyond reasonable control. 12. Right to Refuse or Terminate Participation Coach reserves the right to refuse, suspend, or terminate Client’s participation and access to Services at any time for behavior that is disruptive, unsafe, abusive, harassing, boundary-violating, or otherwise inconsistent with community standards, without refund. 13. Social Media & Public Interaction Client understands Coach maintains a public online presence. Any interaction initiated by Client on social media is voluntary and at Client’s discretion. Coach may share anonymized themes or insights from sessions but will not disclose identities without consent. Social media content does not constitute coaching advice. 14. Electronic Communication Coach may communicate via email or platform messaging for scheduling, logistics, and resources. Processing or therapeutic work is not conducted via text-based communication. 15. Intellectual Property & Use of Materials Client is granted a non-transferable, non-exclusive, limited license to access and use materials for personal, non-commercial use only. Client agrees not to reproduce, distribute, sell, share, repurpose, use in professional settings, feed into AI systems, or create derivative works from any materials. Unauthorized use constitutes a breach and may result in termination and legal action. 16. Indemnification & Release of Liability Client agrees to indemnify, defend, and hold harmless Rainbow Willows LLC and Bella Crum from any claims, damages, losses, or liabilities arising out of participation in the Services. Client fully releases and waives any and all claims arising out of or connected with participation, to the fullest extent permitted by law. 17. Limitation of Liability Coach makes no warranties, express or implied. In no event shall Coach be liable for indirect, incidental, consequential, or special damages. Coach’s total liability shall not exceed the total amount paid by Client for the Services. 18. Governing Law & Dispute Resolution This Agreement shall be governed by the laws of the state in which Rainbow Willows LLC is registered, without regard to conflict of law principles. Any dispute shall first be attempted to be resolved through good-faith mediation. If unresolved, disputes shall be submitted to binding arbitration. Client waives the right to a jury trial. 19. Financial Agreement Coaching is provided on a monthly, recurring basis. By enrolling, the Client agrees to pay the applicable monthly fee and understands they are financially responsible for this fee each month unless and until the agreement is canceled in accordance with the terms below. The Client is required to maintain a valid payment card on file, which will be automatically charged on a weekly or monthly recurring basis, depending on the selected plan. Fees are charged automatically to the Client’s payment method on file. Coaching sessions may be canceled or rescheduled with appropriate notice and must be used within the same calendar month. Unused sessions do not roll over and are not eligible for refund. The Coach will make reasonable efforts to accommodate rescheduling within the month, subject to availability. To cancel ongoing monthly coaching, the Client must submit a written cancellation request via email or through the client portal prior to the next scheduled billing date. Cancellations take effect at the end of the current billing cycle. Once a payment has been processed, it is non-refundable. Rainbow Willows is a self-pay practice and does not accept or bill insurance, nor is it eligible for superbilling. 20. Cancel and Reschedule Policy The Client may cancel or reschedule a coaching session with at least forty-eight (48) hours notice. Sessions canceled or rescheduled with less than forty-eight (48) hours notice, as well as missed sessions, are considered used and are not eligible for refund or rescheduling. The Coach will make reasonable efforts to accommodate rescheduling requests made with appropriate notice, subject to availability. 21. Declined Payment, Auto-Retry and Fees In the event of a declined or returned payment, the Client authorizes the payment processor to automatically reattempt the charge. The Client remains responsible for all outstanding balances and for any associated bank or payment processor fees, including Stripe processing or return fees. Services may be paused or terminated if payment is not resolved within a reasonable timeframe. 22. Resources & Offerings Coaching may include optional access to the Rainbow Willows app and digital resources. These resources are offered as support and may be adjusted, changed, or discontinued at the Coach’s discretion as needs, scope, or services evolve. Access to app features and resources is not guaranteed and may change or be discontinued over time. 23. Acknowledgment I acknowledge that I have read and fully understand this Participant Agreement, Release, and Waiver of Liability, and agree to be bound by its terms. Last Updated: December 20, 2025 These Terms & Conditions (“Terms”) govern your access to and use of the websites, platforms, programs, courses, memberships, digital products, community spaces, applications, and services (collectively, the “Services”) operated by Bella Crum and Rainbow Willows LLC (“Company,” “we,” “us,” or “our”). By accessing, purchasing, or using any part of the Services, you agree to be bound by these Terms, the Participant Agreement, Release, and Waiver of Liability, the Privacy Policy, and the Cyber & Technology Policy contained herein. If you do not agree, you may not access or use the Services. 1. Eligibility The Services are intended for individuals who are at least eighteen (18) years of age. By using the Services, you represent that you are legally capable of entering into a binding agreement. The Services are educational and coaching-based and are not intended for emergency, crisis, or urgent mental health support. 2. Scope of Services The Services may include, without limitation: Individual and group coaching Courses, workshops, and live programs Memberships and subscriptions Digital downloads and educational resources Community discussion spaces Live or recorded audio and video content Web-based or mobile applications Specific offerings may include additional terms disclosed at the time of purchase or enrollment. 3. No Medical, Mental Health, or Legal Advice The Services are not medical care, mental health treatment, psychotherapy, legal advice, or professional healthcare services. The Services do not diagnose, treat, prevent, or cure any condition. You are solely responsible for seeking appropriate professional support outside of the Services as needed. 4. Participant Agreement Incorporation Participation in coaching sessions, embodiment-based offerings, group programs, events, or courses is also governed by the Participant Agreement, Release, and Waiver of Liability, which is incorporated by reference and forms part of these Terms. In the event of a conflict between these Terms and the Participant Agreement, the Participant Agreement shall control with respect to coaching-related matters. 5. Accounts and Access Some Services require account registration. You agree to provide accurate information and to maintain the security of your login credentials. You are responsible for all activity occurring under your account. We are not responsible for losses arising from unauthorized account use. 6. Payments, Subscriptions, and Billing Pricing, billing frequency, renewal terms, and payment obligations are disclosed at checkout. By purchasing, you authorize Rainbow Willows LLC and its payment processors to charge your selected payment method for: One-time purchases Recurring subscriptions or memberships Payment plans Unless otherwise stated at purchase: All payments are non-refundable Missed sessions are not credited or rescheduled Access may be suspended for failed or late payments We reserve the right to modify pricing with advance notice. 7. Refunds and Cancellations Refund policies vary by offering and are disclosed at the time of purchase. Unless explicitly stated otherwise: Digital products, courses, and memberships are non-refundable Terminating participation does not guarantee a refund Removal for policy violations does not entitle you to reimbursement 8. Community Standards and Conduct You agree to participate respectfully and in good faith. Prohibited conduct includes, but is not limited to: Harassment, discrimination, or hate speech Boundary violations or unsafe behavior Sharing others’ personal or identifying information Disruptive or abusive conduct We reserve the right to remove, suspend, or terminate access to any Service or community space, without refund, to maintain safety and integrity. 9. Intellectual Property All content provided through the Services is owned by Rainbow Willows LLC or licensed for use. You are granted a limited, non-transferable, non-exclusive license to access and use the content for personal, non-commercial purposes only. You may not: Reproduce, distribute, sell, or share content Record or redistribute sessions Use materials in professional or client-facing contexts Upload content into AI systems or training tools Create derivative works Unauthorized use constitutes a breach of these Terms and may result in termination and legal action. 10. Recordings and Replays We may record live sessions, group calls, or educational content for replay, educational, promotional or internal purposes. By participating in group-based Services, you consent to being included in such recordings. You may not record sessions or Events in any form. 11. Technology and Platform Use The Services rely on third-party platforms and service providers. We are not responsible for platform outages, service interruptions, data breaches beyond reasonable control, or loss of access caused by platform changes. Access to Services may change or be discontinued with notice. 12. Disclaimer of Warranties The Services are provided “as is” and “as available.” We make no warranties regarding outcomes, results, uninterrupted access, or error-free content. Use of the Services is at your own risk. 13. Limitation of Liability To the fullest extent permitted by law, Rainbow Willows LLC and its representatives shall not be liable for indirect, incidental, consequential, or special damages. Total liability shall not exceed the amount paid by you for the applicable Services. 14. Indemnification You agree to indemnify and hold harmless Rainbow Willows LLC and its representatives from any claims, losses, or damages arising from your use of the Services, violation of these Terms, or infringement of the rights of others. 15. Governing Law and Dispute Resolution These Terms are governed by the laws of the state in which Rainbow Willows LLC is registered, without regard to conflict of law principles. Any dispute shall first be attempted to be resolved through good-faith mediation. If unresolved, disputes shall be resolved through binding arbitration. You waive the right to a jury trial. 16. Changes to Terms We may update these Terms from time to time. Continued use of the Services after changes constitutes acceptance of the revised Terms. PRIVACY POLICY Rainbow Willows LLC respects your privacy and is committed to protecting your personal information. 1. Information We Collect We may collect personal information including: Name, email address, and billing details Account and login information Communications and support inquiries Participation data related to courses, sessions, and community activity 2. Use of Information We use personal information to: Provide and manage the Services Process payments and transactions Communicate updates and service information Maintain safety and community integrity Comply with legal obligations 3. Sharing of Information We do not sell personal information. We may share information with trusted third parties such as payment processors, platform providers, contractors assisting in service delivery, and legal authorities when required by law. 4. Data Retention We retain personal information only as long as reasonably necessary for business, operational, or legal purposes. 5. Your Rights Depending on your jurisdiction, you may have rights to access, correct, or request deletion of your personal information, and to opt out of marketing communications. 6. Confidentiality Limitations Online services are not fully confidential. Absolute privacy and security cannot be guaranteed. CYBER & TECHNOLOGY POLICY 1. Digital Security We implement reasonable administrative, technical, and organizational safeguards to protect personal data. However, no system is completely secure. By using the Services, you acknowledge and accept inherent digital security risks. 2. Third-Party Technology The Services rely on third-party technology providers whose privacy and security practices are governed by their own policies. We are not responsible for breaches or failures originating outside our systems. 3. User Responsibilities You agree to: Use secure passwords Protect account access Avoid sharing login credentials Notify us promptly of suspected unauthorized access 4. Data Breach Response In the event of a data breach involving personal information, we will take reasonable steps to investigate and provide notice as required by applicable law. 5. Artificial Intelligence Use You may not upload, scrape, reproduce, or use any content from the Services to train or operate artificial intelligence systems. CONTACT INFORMATION Rainbow Willows LLC Email: bella@rainbowwillows.org‍ ‍

For events including Coach Imi:

ADULT (18+) WAIVER, RELEASE OF LIABILITY, ARBITRATION & POLICY AGREEMENT FOR COACH IMI IMPORTANT – READ CAREFULLY. THIS IS A LEGAL AGREEMENT AND RELEASE OF LIABILITY. This agreement is for participants 18 years of age or older only. By signing below, I represent that I am at least 18 years old and legally competent to enter into this agreement. 1. ASSUMPTION OF RISK I understand that kickboxing, contact drills, sparring, pad work, strength training, conditioning, and all related activities (the “Activities”) are inherently dangerous and involve substantial risk of serious injury. Risks include, but are not limited to: Punches, kicks, strikes, and physical contact Falls and collisions Equipment malfunction Overexertion Negligent instruction or supervision Concussions, fractures, permanent disability, paralysis, or death I knowingly and voluntarily assume all risks, known and unknown, foreseeable and unforeseeable, including those arising from the ordinary negligence of Coach Imi or other participants. 2. RELEASE AND WAIVER OF LIABILITY (ILLINOIS LAW) To the fullest extent permitted under Illinois law, I release, waive, discharge, and covenant not to sue Coach Imi, its owner, instructors, employees, contractors, agents, and representatives (collectively, the “Released Parties”) from any and all claims, demands, causes of action, damages, losses, or liabilities arising from: Participation in the Activities Use of equipment Presence on the premises Alleged ordinary negligence of the Released Parties This agreement is intended to be as broad and inclusive as permitted under the laws of the State of Illinois. 3. INDEMNIFICATION I agree to indemnify, defend, and hold harmless the Released Parties from any claims, liabilities, damages, costs, or attorney’s fees arising from my participation or my conduct during Activities. 4. MEDICAL FITNESS & EMERGENCY AUTHORIZATION I certify that I am physically fit to participate and have no medical condition that would increase my risk of injury. I understand it is my responsibility to obtain medical clearance if necessary. I authorize Coach Imi to obtain emergency medical treatment if needed and accept full financial responsibility for any resulting medical expenses. 5. PAYMENT, REFUND & CANCELLATION POLICY All payments are final. Refunds are granted solely at the discretion of Coach Imi. Sessions may be rescheduled only if cancellation is made at least 24 hours in advance of the scheduled time. Cancellations made less than 24 hours prior may result in forfeiture without refund or credit. 6. RULES & CONDUCT I agree to follow all safety instructions and gym rules. Unsafe behavior may result in immediate removal without refund. I will not participate under the influence of drugs or alcohol. 7. MEDIA RELEASE I grant permission for photographs and videos taken during Activities to be used for promotional purposes without compensation. 8. MANDATORY BINDING ARBITRATION & JURY TRIAL WAIVER Any dispute, claim, or controversy arising out of or relating to this agreement or my participation in Activities shall be resolved exclusively through binding arbitration in Illinois. I understand and agree that: I am waiving my right to file a lawsuit in court. I am waiving my right to a trial by jury. The arbitrator’s decision shall be final and binding. 9. SEVERABILITY If any portion of this agreement is found unenforceable, the remaining provisions shall remain in full force and effect. ELECTRONIC SIGNATURE AGREEMENT By typing my full legal name below and/or signing electronically, I acknowledge that: I am at least 18 years old. I have carefully read and fully understand this agreement. I understand I am waiving substantial legal rights, including the right to sue. My electronic signature is legally binding under Illinois law.