PARTICIPANT AGREEMENT, INFORMED CONSENT, AND PROGRAM TERMS 

Last updated: October 7, 2026

Break Through the Hidden Blocks Shaping Your Life

Six-Week Live Online Educational & Personal-Development Program | Version: October 7, 2026

PLEASE REVIEW BEFORE ENROLLING. This is a legally binding participant agreement. By checking the required acceptance box and completing your purchase, you confirm that you have had the opportunity to review and voluntarily agree to the terms below, including the payment and refund policy, educational and professional-scope limitations, recording and privacy terms, personal responsibility and assumption of risk, and the limited release.

This Participant Agreement, Informed Consent, and Program Terms (the "Agreement") is between the individual enrolling in or participating in the Program ("Participant," "you," or "your") and Saemi Nakamura ("Provider," "we," "us," or "our"). The Agreement becomes effective when you electronically accept it and complete your purchase.

If one person purchases enrollment for another person, the actual participant must separately review and electronically accept this Agreement before receiving access to or participating in the Program.

1. ELIGIBILITY, PROGRAM SCOPE, AND KEY DETAILS

You represent that you are at least 18 years old, have legal capacity to enter into this Agreement, and are voluntarily choosing to participate.

Break Through the Hidden Blocks Shaping Your Life (the "Program") is a six-week live online educational and personal-development course. It includes six live classes and one follow-up Q&A session and may include live teaching, structured self-inquiry, journaling, guided meditation, Adult Mind / Child Mind practices, Brain Exercises, reflection on childhood interpretations and present-day patterns, small-group or breakout-room discussion, optional sharing, and Home Play. Areas explored may include money, relationships, personal freedom, work, success, abundance, and scarcity. Home Play may involve reflection, intentional choices, real-world action, and review of the feedback produced by those actions. Class content, exercises, and sequence may vary slightly.

The Program does not include medical treatment, psychotherapy, licensed financial planning, individualized investment management, or crisis services. Any activity outside the scope described above may require a separate consent or waiver.

1.1 Schedule, Delivery, and Access

The six live Zoom classes are scheduled for November 14, 21, and 28 and December 5, 12, and 19, 2026, from 9:00 a.m. to 12:00 p.m. PST (UTC−8). Please reserve the full three-hour window; some sessions may conclude earlier.

One 90-minute live follow-up Q&A session is included on January 16, 2027, from 9:00 to 10:30 a.m. PST (UTC−8). This session provides an opportunity to share progress, ask questions, and receive further guidance.

Course content will be delivered through a private Kajabi course area. During the six teaching weeks, you will receive two course emails: one approximately two days before the live class with the Zoom link and preparation notes, and one after the class when the replay and post-session materials are available. Full video replays and online materials will remain available through December 19, 2027. You may retain lawfully downloaded audio files and PDFs for your continuing personal use, subject to the intellectual-property terms in Section 12.

Live participation with your camera on and participation in breakout practices are strongly encouraged because they offer the fullest experiential benefit, but they are not required. You may attend as an observer, keep your camera off, decline a practice, or study through the replays. These choices do not change the payment and refund terms.

2. NATURE AND EDUCATIONAL PURPOSE OF THE APPROACH

The Program is designed for education, self-observation, self-exploration, and personal development. It may help participants examine how early interpretations, emotional conclusions, unconscious assumptions, dependency patterns, and behavioral strategies may continue to operate as filters that influence present-day perception, decisions, relationships, personal freedom, work, success, and responses to money, abundance, and scarcity.

The educational framework draws in part from TAW (Theory of an Advanced World), Fractal Phenomenology, and Fractal Psychology, developed in Japan by Mau Isshiki, together with Saemi Nakamura's English-language adaptation, educational design, and applied methods, including Child Mind Transformation Work. The terms "Child Mind" and "Adult Mind" are used as educational metaphors for different modes of interpretation and response. Child Mind refers to earlier, emotionally driven interpretations and patterns. Adult Mind refers to the capacity to consider broader context, understand cause and consequence, solve problems, develop abilities, take responsibility, and choose deliberate action. These framework-specific concepts are educational and exploratory and may differ from conventional psychological, therapeutic, financial, or self-help models.

The term "hidden blocks" describes the Program's educational focus on patterns that may influence perception, choices, behavior, follow-through, relationships, value creation, and responses to money and other areas of life. It does not mean that changing thoughts alone will automatically produce income, a relationship change, or another personal result. The Program emphasizes recognition, intentional choice, capacity development, real-world action, and learning from feedback; it is not passive manifestation or a promise of financial or personal gain.

3. NO MEDICAL, MENTAL-HEALTH, FINANCIAL, INVESTMENT, LEGAL, TAX, OR ACCOUNTING SERVICES

The Program and all related communications are general educational information only. They are not and must not be relied upon as medical advice, diagnosis, psychiatric care, psychotherapy, trauma or PTSD treatment, crisis intervention, financial planning, investment advice, securities recommendations, business advice, legal advice, tax advice, or accounting advice.

Provider is not acting through the Program as your physician, psychologist, psychotherapist, licensed mental-health provider, registered investment adviser, broker-dealer, attorney, tax professional, accountant, or fiduciary. Participation does not create a doctor-patient, therapist-client, adviser-client, attorney-client, fiduciary, or other licensed professional relationship.

Provider does not recommend that you buy or sell any security or other asset, incur or repay debt, change employment, start or close a business, make a major purchase, alter a tax position, or take any other specific financial or legal action. Before making decisions in those areas, you are responsible for obtaining advice from appropriately licensed professionals who can evaluate your individual circumstances.

4. TUITION, PAYMENT COMMITMENT, CANCELLATION, AND REFUND POLICY

4.1 Tuition and Payment Authorization

⚠️ INFORMATION NEEDED FROM SAEMI: EARLY ENROLLMENT DEADLINE

Early Enrollment Tuition - available through [PLEASE INSERT CONFIRMED DATE AND TIME]:

$498 USD paid in full, or two payments of $265 USD (total $530 USD).

Regular Tuition - beginning [THIS WILL BE SET FROM THE CONFIRMED EARLY-ENROLLMENT DEADLINE]:

$786 USD paid in full, or two payments of $415 USD (total $830 USD).

For either two-payment option, the first payment is charged when you purchase the Program.

⚠️ INFORMATION NEEDED FROM SAEMI: SECOND PAYMENT DATE

You authorize the second payment to be charged automatically on [PLEASE INSERT CONFIRMED SECOND-PAYMENT DATE], using the same payment method, unless the Provider agrees in writing to another arrangement. The price and payment option displayed and selected at checkout will be reflected in your purchase record.

A two-payment plan is a fixed installment arrangement for the full Program tuition; it is not a subscription, month-to-month membership, pay-per-session option, or cancel-anytime plan. By selecting it, you authorize both scheduled charges and commit to the full tuition, subject to the cancellation and refund terms below and applicable law.

4.2 How to Cancel

To cancel, send a clear written cancellation request by email to [email protected]. A request is treated as received when it reaches that inbox. All deadlines are measured in U.S. Pacific Time. Provider may approve a written exception in an individual case, but doing so does not waive or modify this policy for any other participant.

4.3 Refund Schedule

Before 9:00 a.m. PST (UTC−8) on November 7, 2026: You are eligible for a refund of the amount paid, minus a 5% administrative and payment-processing fee. Any future scheduled installment will be canceled.

From 9:00 a.m. PST (UTC−8) on November 7, 2026, until 9:00 a.m. PST (UTC−8) on November 12, 2026: You are eligible for a refund of 50% of the amount paid. Any future scheduled installment will be canceled. Enrollments made during this period are subject to this 50% refund policy.

Beginning at 9:00 a.m. PST (UTC−8) on November 12, 2026: No refunds are available, and the full Program tuition remains due, including any unpaid installment. No refunds are available after the Program has begun.

On or after the final refund deadline, no refund, payment cancellation, reduction, credit, transfer, or prorated adjustment will be provided for withdrawal, missed classes, scheduling conflicts, technology problems on your side, dissatisfaction, failure to complete the work, or failure to participate. The full tuition remains due, including any unpaid installment.

Any refund due under this policy will be initiated to the original payment method within 10 business days after the cancellation is approved. Financial institutions may require additional processing time. Access to Program materials may be revoked when an enrollment is canceled or refunded.

4.4 Transfers, Credits, and Missed Sessions

Enrollment is personal and nontransferable. Credits, deferrals, transfers to another program or cohort, and exceptions to this policy are not available unless Provider agrees in a separate writing. Any replay, make-up option, or bonus access is available only if expressly promised on the sales page or separately confirmed in writing.

4.5 Failed or Disputed Payments

If a scheduled payment is declined or remains unpaid, Provider may suspend access while making reasonable efforts to resolve the payment. Nothing in this Agreement limits your right to report an unauthorized or fraudulent charge or to exercise any nonwaivable right provided by card-network rules or applicable law. You agree to contact Provider promptly about a billing error so the parties have a reasonable opportunity to investigate and correct it.

5. NO GUARANTEE OF RESULTS, EARNINGS, OR FINANCIAL GAIN

No specific financial, professional, business, relational, emotional, psychological, or personal outcome is promised or guaranteed. The Program title and references to hidden blocks, Brain Upgrading, Child Mind, Adult Mind, Thoughts Create Reality, abundance, manifestation, or deep-conscious patterns are educational concepts, not representations that you will earn money, increase income or assets, eliminate debt, obtain employment, improve a business, change a relationship or another person, resolve a particular emotional issue, or achieve any other result.

Results and experiences vary substantially depending on circumstances that include personal history, readiness, interpretation, participation, repetition, decisions, abilities, effort, outside conditions, and follow-through. Examples, case illustrations, participant statements, and testimonials are illustrative only and are not promises, guarantees, or representations of typical results. Your tuition pays for access to the educational Program and included materials, not for a particular outcome.

6. VOLUNTARY PARTICIPATION AND PERSONAL RESPONSIBILITY

Your participation is voluntary. Live participation is strongly encouraged, but you control what personal information you share and may attend as an observer, decline an exercise, pause, turn off your camera, or step away when reasonably necessary. You remain responsible for monitoring your own capacity and boundaries. Declining, pausing, withdrawing, or choosing not to participate does not alter the cancellation and refund policy.

You remain responsible for your interpretations, decisions, communications, actions, reactions, financial choices, relationships, and life choices before, during, and after the Program. You agree not to rely on the Program as the sole basis for a medical, mental-health, financial, investment, legal, tax, employment, or business decision.

7. POSSIBLE EMOTIONAL AND PHYSICAL RESPONSES; INHERENT RISKS

Self-exploration and guided practices can be emotionally demanding. Participation may temporarily evoke sadness, anger, anxiety, grief, shame, defensiveness, frustration, fatigue, confusion, stress responses, physical sensations, emotional release, memories, changed perceptions, interpersonal discomfort, or dissatisfaction. A participant may also encounter disagreement with the framework or with other participants.

You understand that these responses are possible even when the Program is delivered with reasonable care. You voluntarily choose to participate and accept the inherent risks of educational self-exploration, group discussion, guided meditation, and reflection on emotionally meaningful experiences.

8. MENTAL-HEALTH, MEDICAL, AND CRISIS RESPONSIBILITY

The Program is not designed to diagnose, stabilize, or treat an acute medical or psychiatric condition and is not a substitute for licensed care. If you are experiencing a psychiatric crisis, active suicidal thoughts, psychosis, mania, severe dissociation, inability to care for yourself, or another condition that may make self-exploration or group participation unsafe, you should not rely on the Program for help and should promptly seek appropriate licensed or emergency care.

If you are in immediate danger or may harm yourself or another person, contact local emergency services. In the United States, call 911 or call or text 988 for the Suicide & Crisis Lifeline. Provider does not monitor communications continuously and cannot provide emergency response or crisis intervention.

You are responsible for consulting qualified healthcare professionals about your physical and mental health and for continuing any prescribed or clinically indicated care. The Program does not direct you to discontinue or change medication, therapy, or other professional care. Provider may pause or end your participation if, in Provider's reasonable judgment, continuing would create a material safety concern or the Program cannot appropriately meet your needs.

9. GROUP PARTICIPATION AND CONDUCT

You agree to participate respectfully and not to harass, threaten, shame, discriminate against, diagnose, pressure, solicit, exploit, or provide unsolicited treatment or financial advice to another participant. You will follow reasonable instructions intended to protect the learning environment, privacy, safety, and orderly operation of the Program.

Provider may warn, mute, remove, suspend, or terminate a participant who substantially interferes with a live session, deliberately interferes with another participant's ability to engage in the class, disrupts the orderly operation of the course, threatens safety, violates confidentiality or intellectual-property obligations, engages in harassment or unlawful conduct, or repeatedly disregards reasonable instructions. To the fullest extent permitted by law, removal for a material breach does not entitle the participant to a refund or cancellation of remaining tuition.

10. GROUP CONFIDENTIALITY AND PRIVACY LIMITATIONS

The Program is educational, and group communications are not legally privileged therapy communications. You agree not to disclose another participant's name, image, contact information, financial information, personal story, statements, screenshots, or identifying details outside the Program without that participant's express permission. Questions posted in the private Kajabi course area, together with Saemi's responses, may be visible to other enrolled participants in your course group. Do not post information there that you do not want shared within that group. If you have a course-related question that you do not want other participants to see, you may email Saemi directly at [email protected] instead of posting it in Kajabi. You may discuss your own learning and experience so long as you do not identify or expose another participant or reproduce protected Program materials.

Provider will use reasonable administrative and technical measures to support privacy but cannot guarantee that another participant will comply with confidentiality obligations or that an internet platform will be error-free or completely secure. To the fullest extent permitted by law, Provider is not responsible for the independent misconduct of another participant or a third-party platform that Provider did not direct, authorize, or negligently enable.

Provider may disclose information when reasonably necessary to administer the Program and payment, comply with law or legal process, protect rights or safety, address suspected fraud or misconduct, or work with service providers who support course delivery. Use of Kajabi, Zoom, payment processors, email, and other third-party services is also subject to those services' applicable terms and privacy practices.

11. SESSION RECORDINGS

Live sessions will be recorded. Replays will be available only to enrolled participants in your course group through the private Kajabi course area until December 19, 2027.

You will be notified when recording begins. By accepting this Agreement and attending a recorded session, you consent to the recording of your display name, image, voice, chat messages, and anything you choose to share while the recording is active. You may limit what appears in the recording by keeping your camera off, remaining muted, or using a non-identifying display name.

Breakout rooms and any part of a session specifically designated as private will not be recorded. Your image, voice, or statements will not be used in public marketing or as a testimonial without your separate written permission.

Participants may not make their own audio or video recordings, photographs, screenshots, or transcripts. They may not copy, download, share, or distribute any live session, replay, chat, breakout-room discussion, or participant communication. Files expressly provided for download may be retained for personal use only.

12. INTELLECTUAL PROPERTY AND LIMITED LICENSE

Program materials, recordings, slides, meditations, worksheets, exercises, course organization, written explanations, and Provider's original adaptation and educational presentation are owned by or licensed to Provider and are protected by applicable intellectual-property laws. Underlying third-party theories and materials remain the property of their respective owners; nothing in this Agreement claims ownership of material Provider does not own.

Subject to full payment and compliance with this Agreement, Provider grants you a limited, personal, revocable, nonexclusive, nontransferable license to access and use the Program materials for your own noncommercial learning. Online access ends December 19, 2027. You may retain lawfully downloaded audio files and PDFs for your continuing personal use. You may not copy, reproduce, republish, sell, sublicense, teach from, adapt for commercial use, distribute, publicly display, create derivative course materials from, or give another person access to the Program or any substantial portion of its materials.

You may not upload Program recordings or substantial portions of Program materials to a public repository, file-sharing service, generative-AI system, transcription service, or other third-party system except with Provider's prior written permission. Your personal notes and your own original reflections remain yours, provided they do not reproduce protected materials or reveal another participant's confidential information.

13. TECHNOLOGY AND ACCESS

You are responsible for a compatible device, reliable internet connection, current software, a functional email address, and reasonable digital security. Provider will make reasonable efforts to deliver the Program as described but does not guarantee uninterrupted or error-free operation of third-party platforms.

Provider is not responsible for a participant's equipment failure, internet outage, forgotten login, blocked email, time-zone error, or inability to use the required technology. If a Provider-side or platform-wide failure materially prevents delivery of a session, Provider may reschedule the session or provide a reasonable substitute such as a replay or replacement session.

14. PERSONAL RESPONSIBILITY, ASSUMPTION OF RISK, AND LIMITED RELEASE

PERSONAL RESPONSIBILITY, ASSUMPTION OF RISK, AND LIMITED RELEASE. To the fullest extent permitted by law, you knowingly and voluntarily accept the inherent risks described in this Agreement. You release and discharge Provider and Provider's affiliated entities, assistants, employees, contractors, representatives, successors, and permitted assigns (collectively, the "Released Parties") from claims, demands, causes of action, losses, or damages arising from those inherent risks or from the ordinary negligence of a Released Party in the planning, administration, or delivery of the Program, including claims based on emotional discomfort, psychological distress, dissatisfaction, or ordinary technology and data-loss risks reasonably related to participation.

This release is intended to be clear, explicit, and limited to risks reasonably related to the Program. It does not release or limit liability for gross negligence, reckless or willful misconduct, fraud, intentional injury, violation of law, or any right or liability that cannot lawfully be waived. It also does not prevent you from exercising nonwaivable consumer rights.

15. LIMITS ON CERTAIN ECONOMIC CLAIMS

To the fullest extent permitted by law, for any contract or economic claim that is not released under Section 14 and does not involve a nonwaivable right or excluded misconduct, the aggregate liability of the Released Parties will not exceed the amount of Program tuition you actually paid. The Released Parties will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or for lost income, profits, opportunities, savings, business value, investment value, or data, arising from your participation or from decisions you make based on Program content.

This Section does not limit liability for personal injury where such a limitation is prohibited, or for gross negligence, reckless or willful misconduct, fraud, intentional injury, violation of law, or any other liability that cannot be limited by agreement.

16. RESPONSIBILITY FOR HARM CAUSED BY CERTAIN MATERIAL BREACHES

You are responsible for losses, claims, and reasonable costs caused by your own unauthorized recording or distribution, infringement of Program intellectual property, unlawful disclosure of another participant's private information, harassment, fraud, or other material violation of this Agreement. To the fullest extent permitted by law, you agree to indemnify and hold the Released Parties harmless from third-party claims directly arising from that conduct. This obligation does not apply to the extent a claim was caused by a Released Party's own gross negligence, reckless or willful misconduct, fraud, intentional injury, violation of law, or other nonwaivable conduct.

17. SUSPENSION, TERMINATION, AND ACCESS PERIOD

Provider may suspend or terminate access for nonpayment, a material breach of this Agreement, infringement, unlawful conduct, a material safety concern, or serious disruption of the Program. Access to the Program and materials ends at the time stated on the sales page or course platform, unless Provider grants additional access in writing. Termination does not eliminate payment obligations or provisions that by their nature should survive, including confidentiality, recording restrictions, intellectual property, payment, releases, limitations of liability, and dispute terms.

18. PROGRAM CHANGES, RESCHEDULING, AND FORCE MAJEURE

Provider may make reasonable nonmaterial changes to session order, curriculum presentation, technology, or administrative details. If illness, emergency, natural disaster, government action, platform failure, labor disruption, or another event beyond reasonable control prevents a live session, Provider may reschedule it or provide a reasonable substitute. A reasonable rescheduling or substitute delivery does not by itself create a refund right.

If Provider cancels the entire Program before it begins and does not offer a reasonable replacement, your sole contractual remedy will be a refund of Program tuition paid. If Provider permanently ends the Program after it begins without providing the remaining sessions or a reasonable substitute, your sole contractual remedy will be a prorated refund attributable to the undelivered portion. This limitation does not apply to any remedy that cannot lawfully be limited.

19. HONEST REVIEWS, REPORTS, AND OTHER PROTECTED COMMUNICATIONS

Nothing in this Agreement prohibits you from giving an honest review of your own experience; making a good-faith report to a government agency, regulator, law-enforcement authority, court, or licensed professional; consulting an attorney; responding truthfully to legal process; or exercising a right that cannot be waived. These rights do not authorize the unlawful disclosure of another participant's private information, Provider's trade secrets, or protected Program materials, and they do not immunize knowingly false statements, defamation, harassment, threats, or other unlawful conduct.

20. RESOLVING CONCERNS; GOVERNING LAW AND VENUE

If a concern or dispute arises, the parties will, when reasonably possible, first try to resolve it directly and in good faith. The person raising the concern will send written notice describing the issue and requested resolution and allow 30 days for that process. Participant notices may be sent to [email protected]; Provider notices may be sent to the email address used for purchase. This process does not prevent either party from seeking emergency or temporary relief, preserving a limitations period, using small-claims court when eligible, or making a protected report.

Except where mandatory law provides otherwise, California law governs this Agreement. Any court proceeding will be brought exclusively in the state or federal courts serving Los Angeles County, California, and the parties consent to jurisdiction there. Any nonwaivable consumer protections of your place of residence remain applicable.

21. NONWAIVABLE RIGHTS, SEVERABILITY, AND GENERAL TERMS

Nothing in this Agreement waives rights or remedies that applicable law does not permit a consumer to waive. If a court finds a provision invalid or unenforceable, the provision will be enforced to the maximum lawful extent or severed, and the remaining provisions will continue in effect.

This Agreement and the checkout page's specific price, schedule, and included deliverables are the entire agreement about enrollment. The checkout page controls those specific commercial terms; this Agreement controls informed consent, cancellation and refunds, recording and privacy, risk, liability, and other legal terms. A material change after purchase requires both parties' agreement or applicable law. Delay in enforcing a term is not a waiver. You may not transfer your enrollment or this Agreement without Provider's written consent.

22. ELECTRONIC CONSENT AND ACKNOWLEDGMENTS

By checking the required acceptance box and completing your purchase, you electronically sign this Agreement. You confirm that you had the opportunity to review, save, print, or download it and consent to retention of an electronic record of your acceptance. If you do not agree, do not enroll or complete the purchase.

By accepting, you specifically acknowledge that:

the Program is educational - not passive manifestation, psychotherapy, crisis care, or individualized professional advice - and no income or other particular result is guaranteed;

self-exploration may evoke emotional discomfort, and you accept the inherent risks described in this Agreement;

the two-payment option is a full-tuition commitment subject to Section 4 and applicable law;

you agree to the recording and privacy terms in Sections 10 and 11 and the assumption-of-risk, limited-release, and liability provisions in Sections 14 and 15, including the release of ordinary-negligence claims to the fullest extent permitted by law.