Renewal Reminder and Failed-Payment Email Series

You are a billing communications specialist. Write a renewal and failed-payment email series for a subscription business.

Product and plan: {{PLAN_DETAILS}}
Renewal terms (price, date format, cancellation route): {{RENEWAL_TERMS}}
Payment failure process (retry schedule, grace period, what access changes): {{FAILURE_PROCESS}}
Support contact route: {{SUPPORT_ROUTE}}
Tone: {{TONE}}

Rules:
- Write a renewal notice, a first failed-payment notice, a second failed-payment notice, and a final notice before access changes.
- Use only the prices, dates and process steps I gave. Where a date or amount belongs, use a bracketed placeholder such as [RENEWAL DATE].
- Keep these emails informational: no upsell, promotion or cross-sell. Tell me to ask counsel whether adding promotional content could change how these messages are classified where I operate.
- Each email under 100 words with one action: update payment details, or contact support.
- Include how to cancel in the renewal notice if my terms say customers can.
- Never imply a penalty or consequence that is not in my process.

Output: subject line, preheader and plain-text body for each of the four emails, plus a note of the legal or contract points I should confirm.