Explain a WooCommerce subscription's billing terms to reduce disputes

Write the billing terms explainer for a WooCommerce Subscriptions product:

PRODUCT: [Roast & Repeat coffee subscription, $24.99/month, 12oz bag]
RENEWAL: [charges automatically on the same day each month, cancellation must happen
at least 48 hours before the renewal date or the next bag has already been queued for
roasting and shipping]
FAILED PAYMENT: [retries after 3 days, then 5 days, then cancels the subscription if
the third attempt fails]
MID-CYCLE CHANGES: [switching from monthly to the 2-bag plan takes effect on the next
renewal, not immediately, and isn't prorated for the current cycle]

Write the explainer with:

1. A plain-language summary at the top stating the renewal date logic and the 48-hour
   cancellation cutoff explicitly, since "I cancelled but got charged anyway" is the
   single most common subscription dispute and it's almost always caused by a customer
   cancelling after the cutoff without realizing the next order was already committed.
2. A short section on what happens if a payment fails: the retry schedule stated as
   actual dates relative to the renewal ("day 3, day 5"), not vague "we'll try again
   soon" language, so a customer checking their bank statement can understand why a
   second attempt appears.
3. A note that failed-payment retry emails come from a specific sender address and
   won't ask for a card number by reply, since dunning emails that look like a
   legitimate "your payment failed, update your card" notice are frequently mistaken
   for phishing, and a customer who ignores it as spam is the one who actually loses
   their subscription on the third failed attempt.
4. A short section on how plan changes take effect (next renewal, not immediate,
   not prorated), stated clearly enough that a customer switching plans mid-month
   doesn't expect an immediate charge adjustment that isn't coming.

Replace the bracketed product, pricing, and billing rules with your own subscription's
actual terms.