Ok my people, NO is a complete sentence. If your client does anything against the Client Service Agreement, you have the right to:
Say No. And here are some other ways to say it:
*Under the shirt/shorts is not allowed.
*That's too high (example: hand over clothes but on ribcage near breast--this happened to me, that's what I said, and it worked like magic.
*I don't feel comfortable with _____.
You can also guide the client's hand away from the NO zone/s or simply LEAVE. The CSA spells this out.
Same rights apply to clients, of course; anything that violates the CSA gives either party the right to object. Incidental/accidental touching is another case and must be gauged by the individual.