I think it's a very slippery road when the determination of an ethical violation is wholly and simply determined by the client and T. In fact, professional association guidelines address many issues quite specifically, and others are considered implicit under an umbrella of ethical decision making. So it isn't simply a matter of whatever the client is ok with is, therefore, ok. The protection of both's interests, and the protection of the therapeutic relationship, demand that the determination not be confined to only the people involved.

Clients are permitted a lot more latitude in this regard than Ts. It is the T's responsibility to be aware of and in compliance with ethical standards of practice. This T is, at best, incompetent, and I suspect far worse.