Most people are unsure about money...
- Does thinking about money leave you exhausted?
- Do the words budgeting, insurance, and investing feel like they belong in someone else's world? Does just reading those words give you anxiety?
- Are you unsure of how to align your values with your money?All the Colors provides the education needed to make financial decisions, accountability to take action, and coaching to understand why we do what we do with money.
Let's Work Together
Whether you're looking for private coaching, want to bring financial empowerment to your community, or want to learn more on your own - I've got you covered!Click on each image above to learn more or reach out to diana@allthecolors.net with questions.
What is your money archetype?
Understanding your money archetype with the help of trees
Take the What Tree is Your Money quiz to learn more about your money patterns! Inspired by the wisdom of financial planners and arborists, this quiz explores your money patterns through the lens of five distinct archetypes. Take a moment to reflect on your financial habits and let's uncover which style best represents your money relationship.
Ready to get clear with cash flow?
The Budget and The Moon: Creating Supportive Cash Flow PracticesJust like the moon, our cash flow goes through stages. Understanding how we navigate these stages is foundational to reach our goals and enjoy the journey.Relax into the flow of your money by creating supportive and impactful practices with this 4-week course on money management. Purchase the self-guided course below!
Your Personal Money Guide
Hi, my name is Diana Yañez and I know what it feels like to be turned off and confused by money. I especially know the pain of feeling like I have to choose between integrity with my beliefs and doing well financially.My interest in personal finance led me to become a CERTIFIED FINANCIAL PLANNER™. Even then giving people technical information on what to do was not enough. This led to becoming a Registered Life Planner™ and enhancing my facilitation skills with Compassionate Inquiry© training.As the host of Highly Sensitive Money I bring money interviews with Highly Sensitive People and with money experts who center social justice.
All the Colors was founded with the mission of helping people own their power with money. Financial stress is one of the leading causes of mental health issues.While education can help, it’s often not enough because it does not address the emotional and behavioral challenges we face when working with money.Once people are free of money stress they can then go and live their best life - they are no longer holding themselves back and saying money is the reason.As the founder of All the Colors, I love serving change makers who see that all of our well-being is interconnected, with a focus on women of color entrepreneurs.
You Deserve to feel good about your money
Own Your Power with Money & Live Into Your Heart's Desires
NO INVESTMENT ADVICEThe Content is for informational and educational purposes only. You should not construe any such information or other education material as legal, tax, investment, financial, or other advice. Content provided is also of general nature and does not address the circumstances of any particular individual or entity. Nothing contained constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments.Diana Gisel Yañez is an Investment Advisor Representative of Natural Investments PBLLC. Natural Investments is an independent Registered Investment Advisor. All the Colors is not a registered entity and is not an affiliate or subsidiary of Natural Investments. See our Disclosures and Disclaimers and read our Form CRS.Privacy Policy
Terms & Conditions
Bosque Money
Community Coaching
- Does it feel like you're all alone struggling perpetually uphill when it comes to managing your finances?- Do you know what you need to do with money, and yet have a hard time putting this into action?- Do you wish you had someone you can be accountable to?- Do you just wish you had a place to get some nervous system regulation with money?That is a normal part of the change process! The easiest way to change behavior is to join a group of people on the same journey.Give yourself permission to be supported by joining Bosque Money's monthly drop-in community coaching.
How does it work?
We'll meet on the second Friday of the month at 11am Eastern for a one hour community coaching session.The first 15 minutes will start with ground rules and a gentle check-in. From there we'll spend 30 minutes focusing on what you each need support with. Then we'll close with accountability in the last 15 minutes.During this one hour session we will:
- Help normalize that changing behavior with money takes time and effort
- Translate technical money concepts, like IRA rollovers and APR
- Give you a sense of accountability
- Share guidance on potential next steps and helpful resources
- Support a growing community curious about money coachingThis is a live call and will not be recorded. If you're unable to attend live you can rollover attendance to the following month, or get a 50% refund.Sign up for the All the Colors newsletter for more details!
Join us in 2025!
We are meant to midwife dreams for one another. We cannot labor in place of one another, but we can support the labor that each must undertake to birth his or her art and foster it to maturity.
- Julian Cameron's The Artist's Way
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Individual & Couples Coaching
While money looks like math, in reality it’s more like psychology.I always emphasize with clients that while I’m an expert on money, I am not an expert on your life. Our work together will upskill you so that whatever money questions come your way you know either what to do or who to ask to take the right next step for you.
What's Covered by Coaching?
EVERYTHING! Honestly, there has not been a topic that my clients have not brought up...However, our focus is on increasing your money confidence. We use a set of proprietary tools in your personal Discovery Workbook to measure everything from what success looks like to your money's five vital signs.Check out the past article titled Living into Your Heart's Desires to learn more about private coaching.
Are you ready to transform your money relationship?
When you are growing into a new area of your life it’s important to have mentors and guides. We often know what we don’t want – that’s exactly what brought us to this dead end!But how can we envision what we do want when we’re feeling stuck?Check out my podcast interviews and past articles to start envisioning your future.Once you are ready, schedule a heart-centered money call. During this call you can ask questions privately, outline next steps, and discuss educational resources.Sometimes all we need is one conversation with an expert to get the journey started.
Coaching Structure & Accessibility Pricing
Coaching Structure & Accessibility Pricing
I ask that clients commit to at least three sessions to build a solid money foundation and sign a Private Coaching Engagement Agreement. I work with up to five private coaching engagements at a time.Pricing is sliding scale and the suggestion is 2% of a client's average monthly gross pay. For example, if your annual gross income is $60k USD, then your average monthly income is $5,000, so the suggestion for each 75 minute session is $100.While I want pricing to be a financial commitment, it is also important to me that
1) it gives you flexibility to reach your goals and that
2) I have clients across a wide income range.
Questions? Check out past client reviews and sign up for a Heart-Centered money call to learn more.
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Bosque Money Community
Workshops & Speaking
Talking about money is taboo, yet money is a leading stressor in people's life. Bringing an educational, gentle and skills focused workshop to your community adds tremendous value to participants.As a community leader, employer, or conference organizer you've done a beautiful job of creating a deep, nourishing environment. Let's use the community you've cultivated to help people dive into their money journey!
Who is this for and what does it cover?
These workshops are perfect for communities who serve:
- people with historically oppressed identities (women, Black, Indigenous, People of Color, LGBTQIA+, differently abled)
- people who consider themselves highly sensitive
- communities that center social justiceBelow is a sample of past workshops and we can create a workshop catered to your community.
Money in Full Bloom
1) Explore why it can be so hard to sort out our money,
2) What we need to keep in mind as we develop the skills to be financially powerful, and
3) A roadmap for your next steps - wherever you are in your journey.Signature free one hour workshop for aligned communities!
Getting Clear with Cash Flow
Create a system that uses your values to cover three key areas:
1) structural expenses such as food and shelter,
2) the future you want to live in, including debt payoff and charitable giving,
3) while enjoying your present.One hour workshop - sliding scale pricing
Money Archetypes
1) Learn the 5 money archetypes, with their unique gifts and challenges.
2) Forgive, release, and replace outdated patterns and how family history may have influenced this.
3) Ground in the outer world of money and explore next steps.90 minute hour workshop - sliding scale pricing
Past Workshop & Speaking Clients
What Community Hosts are Saying
"I'm so grateful for the grounded wisdom that Diana offered our community during the Money Archetypes workshop. In my 15 years as a Leadership mentor, I've attended many money workshops; however, I've never felt so nourished as I did during this one.Diana's approach is rooted in the realities of our current systems while also making space to imagine and create new futures."
Thérèse Cator
Founder of Embodied Black Girl
Feedback from past Getting Clear with Cash Flow
participants at Candid
“She was lovely! So kind and knowledgeable! I really appreciate how she framed the topic around values! That was super resonant for me.”“She was such a great presenter, loved her vibe and style and can't wait to dive into all the resources shared. THANK YOU!!!!”“Thanks so much for organizing such an informative workshop.”
Feedback from past Ask Me Anything
sessions at New Dimes
Diana has been a complete game-changer for our New Dimes Network members. For so many first-gen folks, navigating money feels intimidating, and working with a Certified Financial Planner is uncharted territory. But Diana meets us where we are, breaking down the technical stuff while bringing a deeply human touch, thanks to her expertise as a Registered Life Planner.She helps our members feel relief that money is never just about money—it’s about the relationships and causes we care about. After every AMA, you can feel the energy shift. Members leave increasingly curious, confident, and engaged in their wealth-building practice.
Workshop Pricing
Workshops for organizations range widely ($600 – $8,000+) and are negotiated on a per-request basis. Consider the pricing guidelines below before our conversation.
No One Turned Away
Consider this pricing if you have limited financial backing, the majority of the workshop participants hold a systemically oppressed identity like women, BIPOC, differently abled, LGBTQ2IA+, or you mostly give free workshops.
Standard
At this price level, your organization has financial stability, can afford to pay employees a local living wage, and you strive to make workshops widely available to people who need financial education.
Pay-It-Forward
Choose this option if your organization has a sizeable reserve (like an endowment or multi-year contracts), you have multiple locations, and you have a training budget.
Pricing language thanks to Carmen Spagnola and The Numinous Network.
Your Money in Full Bloom
While education can help, it’s often not enough to create lasting change without addressing the emotional and behavioral reasons people avoid dealing with their money.The Money in Full Bloom graphic below makes it easy to see how money decisions and mindset affect each other. Our workshops or presentation will focus on whichever of these components your community most needs support with.
WHAT’S MY STORY?
Hi! My name is Diana (Dee-ah-na) Yañez (Yah-gnez).While my technical skills help clients quickly navigate financial decisions, it’s my ability to empower them that transforms their relationship with money.Money is more than numbers, just like food is more than nutrition, and rest is more than non-action. Those are each key components, yet they do not show the fullness of the concept being defined and explored.I am a money coach at All the Colors and wealth manager at Strategy Squad. As an individual and group coach, I help change makers create stable and sustainable money systems for themselves, their loved ones and their communities, with a focus on women of color entrepreneurs. Through Strategy Squad, I support impact investors in aligning their values and investments.
Work + Education
I earned the CERTIFIED FINANCIAL PLANNER™ Practitioner designation in 2020 and the Registered Life Planner™ designation in 2021 from the Kinder Life Institute. In 2023 I completed Gabor Maté’s Compassionate Inquiry™ training to enhance my facilitation skills in a trauma informed way.See the image below to understand how these three expertise come together.Before finding my calling as a financial planner and coach, I worked in social services, population projections, and business analysis at a manufacturing company.
Creating the World I want to See
I serve on the Board of Directors at Wisdom & Money, where mystical Christian practices meet wealth decisions.I am a founding member of the SER Summit which is creating a home for Latines in financial planning.I serve on the steering crew of the Rad Planners Community, a group of activists and financial service professionals re-imagining an economic system that serves everyone.I am the host of Highly Sensitive Money, a podcast that gives Highly Sensitive People (HSP) who are passionate about social justice resources to align their money with their values.
Why I do What I do
As a Quaker and social activist I love learning about generative economics that move us from exploiting resources to stewarding our shared planet.When I’m not helping clients own their power with money and life, you’ll find me hiking, reading in parks, and learning Latin American history. After two years of being a digital nomad I now live and thrive in Mexico City.
Photo by Brandon S. Buckles
MEDIA APPEARANCES
PODCASTS & VIDEOS
ARTICLES
Privacy Policy
Our Privacy Policy was last updated on March 14, 2022.This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. This Privacy Policy was generated by TermsFeed Privacy Policy Generator.Interpretation and DefinitionsInterpretationThe words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.DefinitionsFor the purposes of this Privacy Policy:"Account" means a unique account created for You to access our Service or parts of our Service."Company" (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to All the Colors LLC, 500 Westover Drive #10490, Sanford, NC 27330"Country" refers to United States."Cookies" are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses."Device" means any device that can access the Service such as a computer, a cell phone or a digital tablet."Do Not Track (DNT)” is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites."Personal Data" is any information that relates to an identified or identifiable individual."Service" refers to the Website."Service Provider" means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used."Usage Data" refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit)."Website" refers to All the Colors, accessible from www.allthecolors.net"You" means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.Collecting and Using Your Personal DataTypes of Data Collected
Personal DataWhile using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, CityUsage DataUsage Data is collected automatically when using the Service.Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.Tracking Technologies and CookiesWe use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.We use both Session and Persistent Cookies for the purposes set out below:Necessary / Essential CookiesType: Session CookiesAdministered by: UsPurpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.Cookies Policy / Notice Acceptance CookiesType: Persistent CookiesAdministered by: UsPurpose: These Cookies identify if users have accepted the use of cookies on the Website.Functionality CookiesType: Persistent CookiesAdministered by: UsPurpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.Tracking and Performance CookiesType: Persistent CookiesAdministered by: Third-PartiesPurpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.Use of Your Personal DataThe Company may use Personal Data for the following purposes:- To provide and maintain our Service, including to monitor the usage of our Service.
- To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
- For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
- To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
- To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
- To manage Your requests: To attend and manage Your requests to Us.
- For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
- For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.We may share Your personal information in the following situations:- With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, for payment processing, to contact You.
- For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
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- With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
- With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
- With Your consent: We may disclose Your personal information for any other purpose with Your consent.Retention of Your Personal DataThe Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.Transfer of Your Personal DataYour information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
Disclosure of Your Personal Data
Business TransactionsIf the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcementUnder certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).Other legal requirementsThe Company may disclose Your Personal Data in the good faith belief that such action is necessary to:- Comply with a legal obligation
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Protect against legal liabilitySecurity of Your Personal DataThe security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security."Do Not Track" Policy as Required by California Online Privacy Protection Act (CalOPPA)Our Service does not respond to Do Not Track signals.However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.Children's PrivacyOur Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.Links to Other WebsitesOur Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.Changes to this Privacy PolicyWe may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.Contact UsIf you have any questions about this Privacy Policy, You can contact us:By sending us an email: diana@allthecolors.net
Terms & Conditions
NO INVESTMENT ADVICE: The Content is for informational and educational purposes only. You should not construe any such information or other education material as legal, tax, investment, financial, or other advice. Content provided is also of general nature and does not address the circumstances of any particular individual or entity. Nothing contained constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments.Diana Gisel Yañez is an Investment Advisor Representative of Natural Investments PBLLC. Natural Investments is an independent Registered Investment Advisor. All the Colors is not a registered entity and is not an affiliate or subsidiary of Natural Investments. See our Disclosures and Disclaimers and read our Form CRS.INTELLECTUAL PROPERTY: All the Colors has invested substantial resources in the development of its Intellectual Property. As used herein, the term “Intellectual Property” shall include, without limitation, any inventions, discoveries, designs, formulas, know-how, processes, computer software, creations, lectures, illustrations, presentations, photographs, motion pictures, patents, trademarks, service marks, copyrights, trade secrets, improvements to all such property, and all recorded material defining, describing, or illustrating all such property, whether in hard copy or electronic form. Permission must be obtained to use any of All the Colors’ Intellectual Property.THIRD PARTY LINKS: Certain links may let you leave the All the Colors Website. The linked websites are not under the control of All the Colors and we are not responsible for the content of any linked website or any link contained in a linked website, or any changes or updates to such websites. All the Colors is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement, investigation, verification or monitoring by All the Colors of such third party website.
DISCLAIMER OF WARRANTIES: THE COACHING SERVICES ARE PROVIDED ON AN “AS IS” BASIS AND ALL THE COLORS DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE RELATING TO THE SERVICES. YOU ASSUME THE ENTIRE RISK TO THE ADVICE OF THE COACHING SERVICES.LIMITATION OF LIABILITY TO THE FULLEST EXTENT PERMITTED BY LAW: IN NO EVENT SHALL ALL THE COLORS, ITS SUBSIDIARIES OR CONTROLLING ENTITIES OR THEIR THIRD PARTY PROVIDERS, CONTRACTORS OR TECHNOLOGY OR CONTENT PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, OWNERS, AGENTS AND EMPLOYEES (THE “COACHING PARTIES”), HAVE ANY LIABILITY TO YOU OR ANY OTHER PERSON FOR ANY COSTS, LIABILITIES OR DAMAGES OF ANY KIND, WHETHER DIRECT, INDIRECT, (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE CONTENT, INCONVENIENCE OR DELAY), CONSEQUENTIAL OR PUNITIVE (TOGETHER “COSTS”), ARISING OUT OF, OR IN CONNECTION WITH THIS AGREEMENT OR THE PERFORMANCE OR BREACH OF THIS AGREEMENT, YOUR OR ANY OTHER PERSON’S USE OF, OR INABILITY TO ACCESS THE CONTENT, OR FOR ANY INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION OR SERVICE MADE AVAILABLE TO YOU VIA YOUR COACH.THESE LIMITATIONS SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER BASED ON STATUTE OR ARISING IN CONTRACT, INDEMNITY, WARRANTY, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE), REGARDLESS OF WHETHER ANY COACHING PARTY KNOWS OR HAS REASON TO KNOW OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF ALL THE COLORS OR ANY THIRD PARTY PROVIDER OF SOFTWARE OR SERVICES. THIS LIMITATION OF LIABILITY IS IN ADDITION TO ANY OTHER LIMITATION PROVIDED IN ANY APPLICABLE ACCOUNT SERVICE, SUPPLEMENTAL AGREEMENT OR ANY OTHER AGREEMENT. THIS LIMITATION OF LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER’S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (E.G., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE.GOVERNING LAW: THIS AGREEMENT WILL BE GOVERNED BY CALIFORNIA LAW WITHOUT GIVING EFFECT TO PRINCIPLES OF CONFLICT OF LAW. ANY PARTY BRINGING LEGAL ACTION OR PROCEEDING AGAINST THE OTHER FOR ANY DISPUTE OR CONTROVERSY BETWEEN THE PARTIES ARISING OUT OF OR RELATING TO THE COACHING SERVICES, OR THE USE THEREOF, SHALL BRING THE LEGAL ACTION OR PROCEEDING (I) IN THE UNITED STATES DISTRICT COURT OF CALIFORNIA; OR (II) IN ANY COURT OF THE STATE OF CALIFORNIA, SITTING IN IMPERIAL COUNTY, IF THERE IS NO FEDERAL SUBJECT MATTER JURISDICTION. YOU ACKNOWLEDGE THAT ANY FAILURE TO PAY ANY AMOUNT OWED TO ALL THE COLORS WHEN DUE MAY RESULT IN YOUR ACCOUNT BEING TURNED OVER TO A DEBT COLLECTION SERVICE PROVIDER. THIS RIGHT OF ALL THE COLORS IS TO BE IN ADDITION TO THE REMEDIES OTHERWISE AVAILABLE TO ALL THE COLORS.WAIVER OF TRIAL BY JURY: EACH PARTY, TO THE EXTENT PERMITTED BY LAW, KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES ITS RIGHT TO A TRIAL BY JURY IN ANY ACTION OR OTHER LEGAL PROCEEDING AGAINST THE OTHER FOR ANY DISPUTE OR CONTROVERSY BETWEEN THE PARTIES ARISING OUT OF OR RELATING TO THE COACHING SERVICES. THIS WAIVER APPLIES TO ANY ACTION OR LEGAL PROCEEDING WHETHER IN CONTRACT, TORT OR OTHERWISE.SEVERABILITY: IF FOR ANY REASON A COURT OF COMPETENT JURISDICTION FINDS ANY PROVISION OF THIS AGREEMENT, OR PORTION THEREOF, TO BE UNENFORCEABLE, THAT PROVISION SHALL BE ENFORCED TO THE MAXIMUM EXTENT PERMISSIBLE SO AS TO AFFECT THE INTENT OF THIS AGREEMENT, AND THE REMAINDER OF THIS AGREEMENT SHALL CONTINUE IN FULL FORCE AND EFFECT.