diff --git a/api4/cloud.go b/api4/cloud.go
index 655eddd4ad..9e10aafc08 100644
--- a/api4/cloud.go
+++ b/api4/cloud.go
@@ -665,6 +665,18 @@ func handleCWSWebhook(c *Context, w http.ResponseWriter, r *http.Request) {
 			return
 		}
 		c.Logger.Info("Updated subscription from webhook event")
+	case model.EventTypeTriggerDelinquencyEmail:
+		var emailToTrigger model.DelinquencyEmail
+		if event.DelinquencyEmail != nil {
+			emailToTrigger = model.DelinquencyEmail(event.DelinquencyEmail.EmailToTrigger)
+		} else {
+			c.Err = model.NewAppError("Api4.handleCWSWebhook", "api.cloud.delinquency_email.missing_email_to_trigger", nil, "", http.StatusInternalServerError)
+			return
+		}
+		if nErr := c.App.SendDelinquencyEmail(emailToTrigger); nErr != nil {
+			c.Err = nErr
+			return
+		}
 
 	default:
 		c.Err = model.NewAppError("Api4.handleCWSWebhook", "api.cloud.cws_webhook_event_missing_error", nil, "", http.StatusNotFound)
diff --git a/app/app_iface.go b/app/app_iface.go
index 561ec1b7c3..fa2a68696b 100644
--- a/app/app_iface.go
+++ b/app/app_iface.go
@@ -1017,6 +1017,7 @@ type AppIface interface {
 	SendAckToPushProxy(ack *model.PushNotificationAck) error
 	SendAutoResponse(c request.CTX, channel *model.Channel, receiver *model.User, post *model.Post) (bool, *model.AppError)
 	SendAutoResponseIfNecessary(c request.CTX, channel *model.Channel, sender *model.User, post *model.Post) (bool, *model.AppError)
+	SendDelinquencyEmail(emailToSend model.DelinquencyEmail) *model.AppError
 	SendEmailVerification(user *model.User, newEmail, redirect string) *model.AppError
 	SendEphemeralPost(c request.CTX, userID string, post *model.Post) *model.Post
 	SendNotifications(c request.CTX, post *model.Post, team *model.Team, channel *model.Channel, sender *model.User, parentPostList *model.PostList, setOnline bool) ([]string, error)
diff --git a/app/cloud.go b/app/cloud.go
index bb38e6bb22..fed00db27b 100644
--- a/app/cloud.go
+++ b/app/cloud.go
@@ -148,6 +148,87 @@ func (a *App) SendPaymentFailedEmail(failedPayment *model.FailedPayment) *model.
 	return nil
 }
 
+func getCurrentProduct(subscriptionProductID string, products []*model.Product) *model.Product {
+	for _, product := range products {
+		if product.ID == subscriptionProductID {
+			return product
+		}
+	}
+	return nil
+}
+
+func (a *App) SendDelinquencyEmail(emailToSend model.DelinquencyEmail) *model.AppError {
+	sysAdmins, aErr := a.getSysAdminsEmailRecipients()
+	if aErr != nil {
+		return aErr
+	}
+	subscription, err := a.Cloud().GetSubscription("")
+	if err != nil {
+		return model.NewAppError("SendDelinquencyEmail", "app.cloud.get_subscription.app_error", nil, err.Error(), http.StatusInternalServerError)
+	}
+	if subscription == nil {
+		return model.NewAppError("SendDelinquencyEmail", "app.cloud.get_subscription.app_error", nil, "", http.StatusInternalServerError)
+	}
+
+	products, err := a.Cloud().GetCloudProducts("", false)
+	if err != nil {
+		return model.NewAppError("SendDelinquencyEmail", "app.cloud.get_cloud_products.app_error", nil, err.Error(), http.StatusInternalServerError)
+	}
+	if products == nil {
+		return model.NewAppError("SendDelinquencyEmail", "app.cloud.get_cloud_products.app_error", nil, "", http.StatusInternalServerError)
+	}
+
+	planName := getCurrentProduct(subscription.ProductID, products).Name
+
+	if subscription.DelinquentSince == nil {
+		return model.NewAppError("SendDelinquencyEmail", "app.cloud.get_subscription_delinquency_date.app_error", nil, "", http.StatusInternalServerError)
+	}
+
+	delinquentSince := time.Unix(*subscription.DelinquentSince, 0)
+
+	delinquencyDate := delinquentSince.Format("01/02/2006")
+	for _, admin := range sysAdmins {
+		switch emailToSend {
+		case model.DelinquencyEmail7:
+			err := a.Srv().EmailService.SendDelinquencyEmail7(admin.Email, admin.Locale, *a.Config().ServiceSettings.SiteURL, planName)
+			if err != nil {
+				a.Log().Error("Error sending delinquency email 7", mlog.Err(err))
+			}
+		case model.DelinquencyEmail14:
+			err := a.Srv().EmailService.SendDelinquencyEmail14(admin.Email, admin.Locale, *a.Config().ServiceSettings.SiteURL, planName)
+			if err != nil {
+				a.Log().Error("Error sending delinquency email 14", mlog.Err(err))
+			}
+		case model.DelinquencyEmail30:
+			err := a.Srv().EmailService.SendDelinquencyEmail30(admin.Email, admin.Locale, *a.Config().ServiceSettings.SiteURL, planName)
+			if err != nil {
+				a.Log().Error("Error sending delinquency email 30", mlog.Err(err))
+			}
+		case model.DelinquencyEmail45:
+			err := a.Srv().EmailService.SendDelinquencyEmail45(admin.Email, admin.Locale, *a.Config().ServiceSettings.SiteURL, planName, delinquencyDate)
+			if err != nil {
+				a.Log().Error("Error sending delinquency email 45", mlog.Err(err))
+			}
+		case model.DelinquencyEmail60:
+			err := a.Srv().EmailService.SendDelinquencyEmail60(admin.Email, admin.Locale, *a.Config().ServiceSettings.SiteURL)
+			if err != nil {
+				a.Log().Error("Error sending delinquency email 60", mlog.Err(err))
+			}
+		case model.DelinquencyEmail75:
+			err := a.Srv().EmailService.SendDelinquencyEmail75(admin.Email, admin.Locale, *a.Config().ServiceSettings.SiteURL, planName, delinquencyDate)
+			if err != nil {
+				a.Log().Error("Error sending delinquency email 75", mlog.Err(err))
+			}
+		case model.DelinquencyEmail90:
+			err := a.Srv().EmailService.SendDelinquencyEmail90(admin.Email, admin.Locale, *a.Config().ServiceSettings.SiteURL)
+			if err != nil {
+				a.Log().Error("Error sending delinquency email 90", mlog.Err(err))
+			}
+		}
+	}
+	return nil
+}
+
 func (a *App) AdjustInProductLimits(limits *model.ProductLimits, subscription *model.Subscription) *model.AppError {
 	if limits.Teams != nil && limits.Teams.Active != nil && *limits.Teams.Active > 0 {
 		err := a.AdjustTeamsFromProductLimits(limits.Teams)
diff --git a/app/email/email.go b/app/email/email.go
index 10c3ce0d9f..e3928d9b9b 100644
--- a/app/email/email.go
+++ b/app/email/email.go
@@ -1000,6 +1000,225 @@ func (es *Service) SendNoCardPaymentFailedEmail(email string, locale string, sit
 	return nil
 }
 
+func (es *Service) SendDelinquencyEmail7(email, locale, siteURL, planName string) error {
+	T := i18n.GetUserTranslations(locale)
+
+	subject := T("api.templates.payment_failed.subject")
+
+	data := es.NewEmailTemplateData(locale)
+	data.Props["SiteURL"] = siteURL
+	data.Props["Title"] = T("api.templates.delinquency_7.title")
+	data.Props["SubTitle1"] = T("api.templates.delinquency_7.subtitle1")
+	data.Props["SubTitle2"] = T("api.templates.delinquency_7.subtitle2", map[string]any{"Plan": planName})
+	data.Props["QuestionTitle"] = T("api.templates.questions_footer.title")
+	data.Props["QuestionInfo"] = T("api.templates.questions_footer.info")
+	data.Props["SupportEmail"] = *es.config().SupportSettings.SupportEmail
+	data.Props["Button"] = T("api.templates.delinquency_7.button")
+	data.Props["EmailUs"] = T("api.templates.email_us_anytime_at")
+
+	data.Props["Footer"] = T("api.templates.copyright")
+
+	body, err := es.templatesContainer.RenderToString("cloud_7_day_arrears", data)
+	if err != nil {
+		return err
+	}
+
+	if err := es.sendEmailWithCustomReplyTo(email, subject, body, *es.config().SupportSettings.SupportEmail); err != nil {
+		return err
+	}
+
+	return nil
+}
+func (es *Service) SendDelinquencyEmail14(email, locale, siteURL, planName string) error {
+	T := i18n.GetUserTranslations(locale)
+
+	subject := T("api.templates.delinquency_14.subject", map[string]any{"Plan": planName})
+
+	data := es.NewEmailTemplateData(locale)
+	data.Props["SiteURL"] = siteURL
+	data.Props["Title"] = T("api.templates.delinquency_14.title")
+	data.Props["SubTitle1"] = T("api.templates.delinquency_14.subtitle1")
+	data.Props["SubTitle2"] = T("api.templates.delinquency_14.subtitle2")
+	data.Props["QuestionTitle"] = T("api.templates.questions_footer.title")
+	data.Props["QuestionInfo"] = T("api.templates.questions_footer.info")
+	data.Props["SupportEmail"] = *es.config().SupportSettings.SupportEmail
+	data.Props["Button"] = T("api.templates.delinquency_14.button")
+	data.Props["EmailUs"] = T("api.templates.email_us_anytime_at")
+
+	data.Props["Footer"] = T("api.templates.copyright")
+
+	body, err := es.templatesContainer.RenderToString("cloud_14_day_arrears", data)
+	if err != nil {
+		return err
+	}
+
+	if err := es.sendEmailWithCustomReplyTo(email, subject, body, *es.config().SupportSettings.SupportEmail); err != nil {
+		return err
+	}
+
+	return nil
+}
+func (es *Service) SendDelinquencyEmail30(email, locale, siteURL, planName string) error {
+	T := i18n.GetUserTranslations(locale)
+
+	subject := T("api.templates.delinquency_30.subject", map[string]any{"Plan": planName})
+
+	data := es.NewEmailTemplateData(locale)
+	data.Props["SiteURL"] = siteURL
+	data.Props["Title"] = T("api.templates.delinquency_30.title")
+	data.Props["SubTitle1"] = T("api.templates.delinquency_30.subtitle1", map[string]any{"Plan": planName})
+	data.Props["SubTitle2"] = T("api.templates.delinquency_30.subtitle2")
+	data.Props["QuestionTitle"] = T("api.templates.questions_footer.title")
+	data.Props["QuestionInfo"] = T("api.templates.questions_footer.info")
+	data.Props["SupportEmail"] = *es.config().SupportSettings.SupportEmail
+	data.Props["Button"] = T("api.templates.delinquency_30.button")
+	data.Props["EmailUs"] = T("api.templates.email_us_anytime_at")
+	data.Props["BulletListItems"] = []string{T("api.templates.delinquency_30.bullet.message_history"), T("api.templates.delinquency_30.bullet.files"), T("api.templates.delinquency_30.bullet.cards"), T("api.templates.delinquency_30.bullet.plugins")}
+	data.Props["LimitsDocs"] = T("api.templates.delinquency_30.limits_documentation")
+	data.Props["Footer"] = T("api.templates.copyright")
+
+	body, err := es.templatesContainer.RenderToString("cloud_30_day_arrears", data)
+	if err != nil {
+		return err
+	}
+
+	if err := es.sendEmailWithCustomReplyTo(email, subject, body, *es.config().SupportSettings.SupportEmail); err != nil {
+		return err
+	}
+
+	return nil
+}
+
+func (es *Service) SendDelinquencyEmail45(email, locale, siteURL, planName, delinquencyDate string) error {
+	T := i18n.GetUserTranslations(locale)
+
+	subject := T("api.templates.delinquency_45.subject", map[string]any{"Plan": planName})
+
+	data := es.NewEmailTemplateData(locale)
+	data.Props["SiteURL"] = siteURL
+	data.Props["Title"] = T("api.templates.delinquency_45.title")
+	data.Props["SubTitle1"] = T("api.templates.delinquency_45.subtitle1", map[string]any{"DelinquencyDate": delinquencyDate})
+	data.Props["SubTitle2"] = T("api.templates.delinquency_45.subtitle2")
+	data.Props["SubTitle3"] = T("api.templates.delinquency_45.subtitle3")
+	data.Props["QuestionTitle"] = T("api.templates.questions_footer.title")
+	data.Props["QuestionInfo"] = T("api.templates.questions_footer.info")
+	data.Props["SupportEmail"] = *es.config().SupportSettings.SupportEmail
+	data.Props["Button"] = T("api.templates.delinquency_45.button")
+	data.Props["IncludeSecondaryActionButton"] = false
+	data.Props["EmailUs"] = T("api.templates.email_us_anytime_at")
+
+	data.Props["Footer"] = T("api.templates.copyright")
+
+	body, err := es.templatesContainer.RenderToString("cloud_45_day_arrears", data)
+	if err != nil {
+		return err
+	}
+
+	if err := es.sendEmailWithCustomReplyTo(email, subject, body, *es.config().SupportSettings.SupportEmail); err != nil {
+		return err
+	}
+
+	return nil
+}
+
+func (es *Service) SendDelinquencyEmail60(email, locale, siteURL string) error {
+	T := i18n.GetUserTranslations(locale)
+
+	subject := T("api.templates.delinquency_60.subject")
+
+	data := es.NewEmailTemplateData(locale)
+	data.Props["SiteURL"] = siteURL
+	data.Props["Title"] = T("api.templates.delinquency_60.title")
+	data.Props["SubTitle1"] = T("api.templates.delinquency_60.subtitle1")
+	data.Props["SubTitle2"] = T("api.templates.delinquency_60.subtitle2")
+	data.Props["SubTitle3"] = T("api.templates.delinquency_60.subtitle3")
+	data.Props["QuestionTitle"] = T("api.templates.questions_footer.title")
+	data.Props["QuestionInfo"] = T("api.templates.questions_footer.info")
+	data.Props["SupportEmail"] = *es.config().SupportSettings.SupportEmail
+	data.Props["Button"] = T("api.templates.delinquency_60.button")
+	data.Props["EmailUs"] = T("api.templates.email_us_anytime_at")
+	data.Props["IncludeSecondaryActionButton"] = true
+	data.Props["SecondaryActionButtonText"] = T("api.templates.delinquency_60.downgrade_to_starter")
+	data.Props["Footer"] = T("api.templates.copyright")
+
+	// 45 day template is the same as the 60 day one so its reused
+	body, err := es.templatesContainer.RenderToString("cloud_45_day_arrears", data)
+	if err != nil {
+		return err
+	}
+
+	if err := es.sendEmailWithCustomReplyTo(email, subject, body, *es.config().SupportSettings.SupportEmail); err != nil {
+		return err
+	}
+
+	return nil
+}
+
+func (es *Service) SendDelinquencyEmail75(email, locale, siteURL, planName, delinquencyDate string) error {
+	T := i18n.GetUserTranslations(locale)
+
+	subject := T("api.templates.delinquency_75.subject", map[string]any{"Plan": planName})
+
+	data := es.NewEmailTemplateData(locale)
+	data.Props["SiteURL"] = siteURL
+	data.Props["Title"] = T("api.templates.delinquency_75.title")
+	data.Props["SubTitle1"] = T("api.templates.delinquency_75.subtitle1", map[string]any{"DelinquencyDate": delinquencyDate})
+	data.Props["SubTitle2"] = T("api.templates.delinquency_75.subtitle2", map[string]any{"Plan": planName})
+	data.Props["SubTitle3"] = T("api.templates.delinquency_75.subtitle3")
+	data.Props["QuestionTitle"] = T("api.templates.questions_footer.title")
+	data.Props["QuestionInfo"] = T("api.templates.questions_footer.info")
+	data.Props["SupportEmail"] = *es.config().SupportSettings.SupportEmail
+	data.Props["Button"] = T("api.templates.delinquency_75.button")
+	data.Props["EmailUs"] = T("api.templates.email_us_anytime_at")
+	data.Props["IncludeSecondaryActionButton"] = true
+	data.Props["SecondaryActionButtonText"] = T("api.templates.delinquency_75.downgrade_to_starter")
+	data.Props["Footer"] = T("api.templates.copyright")
+
+	// 45 day template is the same as the 75 day one so its reused
+	body, err := es.templatesContainer.RenderToString("cloud_45_day_arrears", data)
+	if err != nil {
+		return err
+	}
+
+	if err := es.sendEmailWithCustomReplyTo(email, subject, body, *es.config().SupportSettings.SupportEmail); err != nil {
+		return err
+	}
+
+	return nil
+}
+
+func (es *Service) SendDelinquencyEmail90(email, locale, siteURL string) error {
+	T := i18n.GetUserTranslations(locale)
+
+	subject := T("api.templates.delinquency_90.subject")
+
+	data := es.NewEmailTemplateData(locale)
+	data.Props["SiteURL"] = siteURL
+	data.Props["Title"] = T("api.templates.delinquency_90.title")
+	data.Props["SubTitle1"] = T("api.templates.delinquency_90.subtitle1", map[string]any{"SiteURL": siteURL})
+	data.Props["SubTitle2"] = T("api.templates.delinquency_90.subtitle2")
+	data.Props["SubTitle3"] = T("api.templates.delinquency_90.subtitle3")
+	data.Props["QuestionTitle"] = T("api.templates.questions_footer.title")
+	data.Props["QuestionInfo"] = T("api.templates.questions_footer.info")
+	data.Props["SupportEmail"] = *es.config().SupportSettings.SupportEmail
+	data.Props["Button"] = T("api.templates.delinquency_90.button")
+	data.Props["EmailUs"] = T("api.templates.email_us_anytime_at")
+	data.Props["IncludeSecondaryActionButton"] = true
+	data.Props["SecondaryActionButtonText"] = T("api.templates.delinquency_90.secondary_action_button")
+	data.Props["Footer"] = T("api.templates.copyright")
+
+	body, err := es.templatesContainer.RenderToString("cloud_90_day_arrears", data)
+	if err != nil {
+		return err
+	}
+
+	if err := es.sendEmailWithCustomReplyTo(email, subject, body, *es.config().SupportSettings.SupportEmail); err != nil {
+		return err
+	}
+
+	return nil
+}
+
 // SendRemoveExpiredLicenseEmail formats an email and uses the email service to send the email to user with link pointing to CWS
 // to renew the user license
 func (es *Service) SendRemoveExpiredLicenseEmail(renewalLink, email string, locale, siteURL string) error {
diff --git a/app/email/mocks/ServiceInterface.go b/app/email/mocks/ServiceInterface.go
index 68b97109fc..fc95b9ad47 100644
--- a/app/email/mocks/ServiceInterface.go
+++ b/app/email/mocks/ServiceInterface.go
@@ -167,6 +167,104 @@ func (_m *ServiceInterface) SendDeactivateAccountEmail(_a0 string, locale string
 	return r0
 }
 
+// SendDelinquencyEmail14 provides a mock function with given fields: _a0, locale, siteURL, planName
+func (_m *ServiceInterface) SendDelinquencyEmail14(_a0 string, locale string, siteURL string, planName string) error {
+	ret := _m.Called(_a0, locale, siteURL, planName)
+
+	var r0 error
+	if rf, ok := ret.Get(0).(func(string, string, string, string) error); ok {
+		r0 = rf(_a0, locale, siteURL, planName)
+	} else {
+		r0 = ret.Error(0)
+	}
+
+	return r0
+}
+
+// SendDelinquencyEmail30 provides a mock function with given fields: _a0, locale, siteURL, planName
+func (_m *ServiceInterface) SendDelinquencyEmail30(_a0 string, locale string, siteURL string, planName string) error {
+	ret := _m.Called(_a0, locale, siteURL, planName)
+
+	var r0 error
+	if rf, ok := ret.Get(0).(func(string, string, string, string) error); ok {
+		r0 = rf(_a0, locale, siteURL, planName)
+	} else {
+		r0 = ret.Error(0)
+	}
+
+	return r0
+}
+
+// SendDelinquencyEmail45 provides a mock function with given fields: _a0, locale, siteURL, planName, delinquencyDate
+func (_m *ServiceInterface) SendDelinquencyEmail45(_a0 string, locale string, siteURL string, planName string, delinquencyDate string) error {
+	ret := _m.Called(_a0, locale, siteURL, planName, delinquencyDate)
+
+	var r0 error
+	if rf, ok := ret.Get(0).(func(string, string, string, string, string) error); ok {
+		r0 = rf(_a0, locale, siteURL, planName, delinquencyDate)
+	} else {
+		r0 = ret.Error(0)
+	}
+
+	return r0
+}
+
+// SendDelinquencyEmail60 provides a mock function with given fields: _a0, locale, siteURL
+func (_m *ServiceInterface) SendDelinquencyEmail60(_a0 string, locale string, siteURL string) error {
+	ret := _m.Called(_a0, locale, siteURL)
+
+	var r0 error
+	if rf, ok := ret.Get(0).(func(string, string, string) error); ok {
+		r0 = rf(_a0, locale, siteURL)
+	} else {
+		r0 = ret.Error(0)
+	}
+
+	return r0
+}
+
+// SendDelinquencyEmail7 provides a mock function with given fields: _a0, locale, siteURL, planName
+func (_m *ServiceInterface) SendDelinquencyEmail7(_a0 string, locale string, siteURL string, planName string) error {
+	ret := _m.Called(_a0, locale, siteURL, planName)
+
+	var r0 error
+	if rf, ok := ret.Get(0).(func(string, string, string, string) error); ok {
+		r0 = rf(_a0, locale, siteURL, planName)
+	} else {
+		r0 = ret.Error(0)
+	}
+
+	return r0
+}
+
+// SendDelinquencyEmail75 provides a mock function with given fields: _a0, locale, siteURL, planName, delinquencyDate
+func (_m *ServiceInterface) SendDelinquencyEmail75(_a0 string, locale string, siteURL string, planName string, delinquencyDate string) error {
+	ret := _m.Called(_a0, locale, siteURL, planName, delinquencyDate)
+
+	var r0 error
+	if rf, ok := ret.Get(0).(func(string, string, string, string, string) error); ok {
+		r0 = rf(_a0, locale, siteURL, planName, delinquencyDate)
+	} else {
+		r0 = ret.Error(0)
+	}
+
+	return r0
+}
+
+// SendDelinquencyEmail90 provides a mock function with given fields: _a0, locale, siteURL
+func (_m *ServiceInterface) SendDelinquencyEmail90(_a0 string, locale string, siteURL string) error {
+	ret := _m.Called(_a0, locale, siteURL)
+
+	var r0 error
+	if rf, ok := ret.Get(0).(func(string, string, string) error); ok {
+		r0 = rf(_a0, locale, siteURL)
+	} else {
+		r0 = ret.Error(0)
+	}
+
+	return r0
+}
+
 // SendEmailChangeEmail provides a mock function with given fields: oldEmail, newEmail, locale, siteURL
 func (_m *ServiceInterface) SendEmailChangeEmail(oldEmail string, newEmail string, locale string, siteURL string) error {
 	ret := _m.Called(oldEmail, newEmail, locale, siteURL)
diff --git a/app/email/service.go b/app/email/service.go
index c4001af6be..78a7232e52 100644
--- a/app/email/service.go
+++ b/app/email/service.go
@@ -143,6 +143,14 @@ type ServiceInterface interface {
 	SendMailWithEmbeddedFiles(to, subject, htmlBody string, embeddedFiles map[string]io.Reader, messageID string, inReplyTo string, references string) error
 	SendLicenseUpForRenewalEmail(email, name, locale, siteURL, renewalLink string, daysToExpiration int) error
 	SendPaymentFailedEmail(email string, locale string, failedPayment *model.FailedPayment, siteURL string) (bool, error)
+	// Cloud delinquency email sequence
+	SendDelinquencyEmail7(email, locale, siteURL, planName string) error
+	SendDelinquencyEmail14(email, locale, siteURL, planName string) error
+	SendDelinquencyEmail30(email, locale, siteURL, planName string) error
+	SendDelinquencyEmail45(email, locale, siteURL, planName, delinquencyDate string) error
+	SendDelinquencyEmail60(email, locale, siteURL string) error
+	SendDelinquencyEmail75(email, locale, siteURL, planName, delinquencyDate string) error
+	SendDelinquencyEmail90(email, locale, siteURL string) error
 	SendNoCardPaymentFailedEmail(email string, locale string, siteURL string) error
 	SendRemoveExpiredLicenseEmail(renewalLink, email string, locale, siteURL string) error
 	AddNotificationEmailToBatch(user *model.User, post *model.Post, team *model.Team) *model.AppError
diff --git a/app/opentracing/opentracing_layer.go b/app/opentracing/opentracing_layer.go
index 20c1ba1b8a..a02d4d443a 100644
--- a/app/opentracing/opentracing_layer.go
+++ b/app/opentracing/opentracing_layer.go
@@ -15084,6 +15084,28 @@ func (a *OpenTracingAppLayer) SendAutoResponseIfNecessary(c request.CTX, channel
 	return resultVar0, resultVar1
 }
 
+func (a *OpenTracingAppLayer) SendDelinquencyEmail(emailToSend model.DelinquencyEmail) *model.AppError {
+	origCtx := a.ctx
+	span, newCtx := tracing.StartSpanWithParentByContext(a.ctx, "app.SendDelinquencyEmail")
+
+	a.ctx = newCtx
+	a.app.Srv().Store.SetContext(newCtx)
+	defer func() {
+		a.app.Srv().Store.SetContext(origCtx)
+		a.ctx = origCtx
+	}()
+
+	defer span.Finish()
+	resultVar0 := a.app.SendDelinquencyEmail(emailToSend)
+
+	if resultVar0 != nil {
+		span.LogFields(spanlog.Error(resultVar0))
+		ext.Error.Set(span, true)
+	}
+
+	return resultVar0
+}
+
 func (a *OpenTracingAppLayer) SendEmailVerification(user *model.User, newEmail string, redirect string) *model.AppError {
 	origCtx := a.ctx
 	span, newCtx := tracing.StartSpanWithParentByContext(a.ctx, "app.SendEmailVerification")
diff --git a/i18n/en.json b/i18n/en.json
index 3873589405..31cfab8f01 100644
--- a/i18n/en.json
+++ b/i18n/en.json
@@ -471,6 +471,10 @@
     "id": "api.cloud.cws_webhook_event_missing_error",
     "translation": "Webhook event was not handled. Either it is missing or it is not valid."
   },
+  {
+    "id": "api.cloud.delinquency_email.missing_email_to_trigger",
+    "translation": "Missing required fields to send delinquency email."
+  },
   {
     "id": "api.cloud.license_error",
     "translation": "Your license does not support cloud requests."
@@ -3247,6 +3251,190 @@
     "id": "api.templates.deactivate_subject",
     "translation": "[{{ .SiteName }}] Your account at {{ .ServerURL }} has been deactivated"
   },
+  {
+    "id": "api.templates.delinquency_14.button",
+    "translation": "Update payment"
+  },
+  {
+    "id": "api.templates.delinquency_14.subject",
+    "translation": "Payment is overdue for your Mattermost {{.Plan}}."
+  },
+  {
+    "id": "api.templates.delinquency_14.subtitle1",
+    "translation": "We weren't able to charge the credit card we have on file. This means your workspace is at risk of being downgraded to Cloud Starter."
+  },
+  {
+    "id": "api.templates.delinquency_14.subtitle2",
+    "translation": "Please contact your financial institution to resolve any issues. Then, update your payment details as needed."
+  },
+  {
+    "id": "api.templates.delinquency_14.title",
+    "translation": "Payment not received"
+  },
+  {
+    "id": "api.templates.delinquency_30.bullet.cards",
+    "translation": "Cards from your Boards"
+  },
+  {
+    "id": "api.templates.delinquency_30.bullet.files",
+    "translation": "Files"
+  },
+  {
+    "id": "api.templates.delinquency_30.bullet.message_history",
+    "translation": "Message history"
+  },
+  {
+    "id": "api.templates.delinquency_30.bullet.plugins",
+    "translation": "Active plugins and integrations"
+  },
+  {
+    "id": "api.templates.delinquency_30.button",
+    "translation": "Update payment"
+  },
+  {
+    "id": "api.templates.delinquency_30.limits_documentation",
+    "translation": "View all limits documentation."
+  },
+  {
+    "id": "api.templates.delinquency_30.subject",
+    "translation": "Act to keep your Mattermost {{.Plan}} Features"
+  },
+  {
+    "id": "api.templates.delinquency_30.subtitle1",
+    "translation": "You have time to keep your Mattermost {{.Plan}} active but you'll need to resolve issues with your payment method."
+  },
+  {
+    "id": "api.templates.delinquency_30.subtitle2",
+    "translation": "if no action is taken, your workspace will be downgraded and the following data may be archived:"
+  },
+  {
+    "id": "api.templates.delinquency_30.title",
+    "translation": "Your workspace will be downgraded soon"
+  },
+  {
+    "id": "api.templates.delinquency_45.button",
+    "translation": "Update payment"
+  },
+  {
+    "id": "api.templates.delinquency_45.subject",
+    "translation": "Notice: Your Mattermost {{.Plan}} will be downgraded soon"
+  },
+  {
+    "id": "api.templates.delinquency_45.subtitle1",
+    "translation": "We've been unable to collect payment for outstanding invoices dated {{.DelinquencyDate}}. Your workspace is at risk of being downgraded."
+  },
+  {
+    "id": "api.templates.delinquency_45.subtitle2",
+    "translation": "A downgraded workspace might negatively affect critical workflows, integrations and other business critical activities carried at your workspace."
+  },
+  {
+    "id": "api.templates.delinquency_45.subtitle3",
+    "translation": "Update your credit card information now."
+  },
+  {
+    "id": "api.templates.delinquency_45.title",
+    "translation": "Your workspace will be downgraded soon"
+  },
+  {
+    "id": "api.templates.delinquency_60.button",
+    "translation": "Update payment"
+  },
+  {
+    "id": "api.templates.delinquency_60.downgrade_to_starter",
+    "translation": "Downgrade to Cloud Starter"
+  },
+  {
+    "id": "api.templates.delinquency_60.subject",
+    "translation": "Action Required: Workspace will be downgraded in 30 days"
+  },
+  {
+    "id": "api.templates.delinquency_60.subtitle1",
+    "translation": "Please update your payment information soon to process your outstanding invoices."
+  },
+  {
+    "id": "api.templates.delinquency_60.subtitle2",
+    "translation": "We will downgrade your workspace automatically in 30 days if we are unable to process your payment."
+  },
+  {
+    "id": "api.templates.delinquency_60.subtitle3",
+    "translation": "Update your payment information now or downgrade to Cloud Starter below."
+  },
+  {
+    "id": "api.templates.delinquency_60.title",
+    "translation": "Your Mattermost workspace will be downgraded in 30 days"
+  },
+  {
+    "id": "api.templates.delinquency_7.button",
+    "translation": "Update payment"
+  },
+  {
+    "id": "api.templates.delinquency_7.subtitle1",
+    "translation": "We couldn't process your most recent payment"
+  },
+  {
+    "id": "api.templates.delinquency_7.subtitle2",
+    "translation": "To keep your {{.Plan}} plan active, please contact your financial institution as soon as possible. Then, update your payment details as needed."
+  },
+  {
+    "id": "api.templates.delinquency_7.title",
+    "translation": "Your payment wasn't completed"
+  },
+  {
+    "id": "api.templates.delinquency_75.button",
+    "translation": "Update payment"
+  },
+  {
+    "id": "api.templates.delinquency_75.downgrade_to_starter",
+    "translation": "Downgrade to Cloud Starter"
+  },
+  {
+    "id": "api.templates.delinquency_75.subject",
+    "translation": "Your Mattermost {{.Plan}} will be downgraded in 15 days"
+  },
+  {
+    "id": "api.templates.delinquency_75.subtitle1",
+    "translation": "This is a final reminder that we haven’t received payment for your Mattermost Cloud workspace since {{.DelinquencyDate}}"
+  },
+  {
+    "id": "api.templates.delinquency_75.subtitle2",
+    "translation": "Your workspace will be downgraded to Cloud Starter. Your {{.Plan}} features will be locked and some of your workspace data may be archived until your full outstanding balance is settled."
+  },
+  {
+    "id": "api.templates.delinquency_75.subtitle3",
+    "translation": "Update your payment information now, or downgrade to Cloud Starter."
+  },
+  {
+    "id": "api.templates.delinquency_75.title",
+    "translation": "Your workspace will be downgraded in 15 days"
+  },
+  {
+    "id": "api.templates.delinquency_90.button",
+    "translation": "Update payment"
+  },
+  {
+    "id": "api.templates.delinquency_90.secondary_action_button",
+    "translation": "View Plans & Pricing"
+  },
+  {
+    "id": "api.templates.delinquency_90.subject",
+    "translation": "Your Mattermost Cloud workspace has been downgraded"
+  },
+  {
+    "id": "api.templates.delinquency_90.subtitle1",
+    "translation": "If you use Cloud Professional or Enterprise features for important business operations, these will no longer be available and you'll experience degraded performance."
+  },
+  {
+    "id": "api.templates.delinquency_90.subtitle2",
+    "translation": "In addition, your data may have been archived due to Cloud Starter limitations."
+  },
+  {
+    "id": "api.templates.delinquency_90.subtitle3",
+    "translation": "To unarchive your data and keep paid features, update your payment information."
+  },
+  {
+    "id": "api.templates.delinquency_90.title",
+    "translation": "Your Mattermost workspace has been downgraded"
+  },
   {
     "id": "api.templates.email_change_body.info",
     "translation": "Your email address for {{.TeamDisplayName}} has been changed to {{.NewEmail}}."
@@ -4651,6 +4839,18 @@
     "id": "app.channel_member_history.log_leave_event.internal_error",
     "translation": "Failed to record channel member history. Failed to update existing join record"
   },
+  {
+    "id": "app.cloud.get_cloud_products.app_error",
+    "translation": "Couldn't retrieve cloud products"
+  },
+  {
+    "id": "app.cloud.get_subscription.app_error",
+    "translation": "Couldn't retrieve cloud subscription"
+  },
+  {
+    "id": "app.cloud.get_subscription_delinquency_date.app_error",
+    "translation": "Subscription is not delinquent"
+  },
   {
     "id": "app.command.createcommand.internal_error",
     "translation": "Unable to save the command."
diff --git a/model/cloud.go b/model/cloud.go
index 8aa16ebc2e..940da261e8 100644
--- a/model/cloud.go
+++ b/model/cloud.go
@@ -15,6 +15,7 @@ const (
 	EventTypeSendAdminWelcomeEmail        = "send-admin-welcome-email"
 	EventTypeSendUpgradeConfirmationEmail = "send-upgrade-confirmation-email"
 	EventTypeSubscriptionChanged          = "subscription-changed"
+	EventTypeTriggerDelinquencyEmail      = "trigger-delinquency-email"
 )
 
 var MockCWS string
@@ -189,13 +190,30 @@ type InvoiceLineItem struct {
 	Metadata     map[string]any `json:"metadata"`
 }
 
+type DelinquencyEmailTrigger struct {
+	EmailToTrigger string `json:"email_to_send"`
+}
+
+type DelinquencyEmail string
+
+const (
+	DelinquencyEmail7  DelinquencyEmail = "7"
+	DelinquencyEmail14 DelinquencyEmail = "14"
+	DelinquencyEmail30 DelinquencyEmail = "30"
+	DelinquencyEmail45 DelinquencyEmail = "45"
+	DelinquencyEmail60 DelinquencyEmail = "60"
+	DelinquencyEmail75 DelinquencyEmail = "75"
+	DelinquencyEmail90 DelinquencyEmail = "90"
+)
+
 type CWSWebhookPayload struct {
-	Event                             string               `json:"event"`
-	FailedPayment                     *FailedPayment       `json:"failed_payment"`
-	CloudWorkspaceOwner               *CloudWorkspaceOwner `json:"cloud_workspace_owner"`
-	ProductLimits                     *ProductLimits       `json:"product_limits"`
-	Subscription                      *Subscription        `json:"subscription"`
-	SubscriptionTrialEndUnixTimeStamp int64                `json:"trial_end_time_stamp"`
+	Event                             string                   `json:"event"`
+	FailedPayment                     *FailedPayment           `json:"failed_payment"`
+	CloudWorkspaceOwner               *CloudWorkspaceOwner     `json:"cloud_workspace_owner"`
+	ProductLimits                     *ProductLimits           `json:"product_limits"`
+	Subscription                      *Subscription            `json:"subscription"`
+	SubscriptionTrialEndUnixTimeStamp int64                    `json:"trial_end_time_stamp"`
+	DelinquencyEmail                  *DelinquencyEmailTrigger `json:"delinquency_email"`
 }
 
 type FailedPayment struct {
diff --git a/templates/cloud_14_day_arrears.html b/templates/cloud_14_day_arrears.html
new file mode 100644
index 0000000000..85f7643376
--- /dev/null
+++ b/templates/cloud_14_day_arrears.html
@@ -0,0 +1,582 @@
+{{define "cloud_14_day_arrears"}}
+
+<!-- FILE: cloud_14_day_arrears.mjml -->
+<!doctype html>
+<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
+
+<head>
+  <title>
+  </title>
+  <!--[if !mso]><!-->
+  <meta http-equiv="X-UA-Compatible" content="IE=edge">
+  <!--<![endif]-->
+  <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1">
+  <style type="text/css">
+    #outlook a {
+      padding: 0;
+    }
+
+    body {
+      margin: 0;
+      padding: 0;
+      -webkit-text-size-adjust: 100%;
+      -ms-text-size-adjust: 100%;
+    }
+
+    table,
+    td {
+      border-collapse: collapse;
+      mso-table-lspace: 0pt;
+      mso-table-rspace: 0pt;
+    }
+
+    img {
+      border: 0;
+      height: auto;
+      line-height: 100%;
+      outline: none;
+      text-decoration: none;
+      -ms-interpolation-mode: bicubic;
+    }
+
+    p {
+      display: block;
+      margin: 13px 0;
+    }
+  </style>
+  <!--[if mso]>
+        <xml>
+        <o:OfficeDocumentSettings>
+          <o:AllowPNG/>
+          <o:PixelsPerInch>96</o:PixelsPerInch>
+        </o:OfficeDocumentSettings>
+        </xml>
+        <![endif]-->
+  <!--[if lte mso 11]>
+        <style type="text/css">
+          .mj-outlook-group-fix { width:100% !important; }
+        </style>
+        <![endif]-->
+  <!--[if !mso]><!-->
+  <link href="https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700" rel="stylesheet" type="text/css">
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700);
+  </style>
+  <!--<![endif]-->
+  <style type="text/css">
+    @media only screen and (min-width:480px) {
+      .mj-column-per-100 {
+        width: 100% !important;
+        max-width: 100%;
+      }
+
+      .mj-column-per-50 {
+        width: 50% !important;
+        max-width: 50%;
+      }
+    }
+  </style>
+  <style media="screen and (min-width:480px)">
+    .moz-text-html .mj-column-per-100 {
+      width: 100% !important;
+      max-width: 100%;
+    }
+
+    .moz-text-html .mj-column-per-50 {
+      width: 50% !important;
+      max-width: 50%;
+    }
+  </style>
+  <style type="text/css">
+    @media only screen and (max-width:480px) {
+      table.mj-full-width-mobile {
+        width: 100% !important;
+      }
+
+      td.mj-full-width-mobile {
+        width: auto !important;
+      }
+    }
+  </style>
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,600,700);
+
+    .emailBody {
+      background: #F3F3F3 !important;
+    }
+
+    .emailBody a {
+      text-decoration: none !important;
+      color: #1C58D9;
+    }
+
+    .title div {
+      font-weight: 600 !important;
+      font-size: 28px !important;
+      line-height: 36px !important;
+      letter-spacing: -0.01em !important;
+      color: #3F4350 !important;
+      font-family: Open Sans, sans-serif !important;
+    }
+
+    .subTitle div {
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: rgba(63, 67, 80, 0.64) !important;
+    }
+
+    .subTitle a {
+      color: rgb(28, 88, 217) !important;
+    }
+
+    .button a {
+      background-color: #1C58D9 !important;
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .button-cloud a {
+      background-color: #1C58D9 !important;
+      font-weight: 400 !important;
+      font-family: Open Sans, sans-serif !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .messageButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #FFFFFF !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 12px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .info div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 40px 0px !important;
+    }
+
+    .footerTitle div {
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: #3F4350 !important;
+      padding: 0px 0px 4px 0px !important;
+    }
+
+    .footerInfo div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px 48px 0px 48px !important;
+    }
+
+    .footerInfo a {
+      color: #1C58D9 !important;
+    }
+
+    .appDownloadButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #1C58D9 !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 13px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .emailFooter div {
+      font-size: 12px !important;
+      line-height: 16px !important;
+      color: rgba(63, 67, 80, 0.56) !important;
+      padding: 8px 24px 8px 24px !important;
+    }
+
+    .postCard {
+      padding: 0px 24px 40px 24px !important;
+    }
+
+    .messageCard {
+      background: #FFFFFF !important;
+      border: 1px solid rgba(61, 60, 64, 0.08) !important;
+      box-sizing: border-box !important;
+      box-shadow: 0px 8px 24px rgba(0, 0, 0, 0.12) !important;
+      border-radius: 4px !important;
+      padding: 32px !important;
+    }
+
+    .messageAvatar img {
+      width: 32px !important;
+      height: 32px !important;
+      padding: 0px !important;
+      border-radius: 32px !important;
+    }
+
+    .messageAvatarCol {
+      width: 32px !important;
+    }
+
+    .postNameAndTime {
+      padding: 0px 0px 4px 0px !important;
+      display: flex;
+    }
+
+    .senderName {
+      font-family: Open Sans, sans-serif;
+      text-align: left !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+    }
+
+    .time {
+      font-family: Open Sans, sans-serif;
+      font-size: 12px;
+      line-height: 16px;
+      color: rgba(63, 67, 80, 0.56);
+      padding: 2px 6px;
+      align-items: center;
+      float: left;
+    }
+
+    .channelBg {
+      background: rgba(63, 67, 80, 0.08);
+      border-radius: 4px;
+      display: flex;
+      padding-left: 4px;
+    }
+
+    .channelLogo {
+      width: 10px;
+      height: 10px;
+      padding: 5px 4px 5px 6px;
+      float: left;
+    }
+
+    .channelName {
+      font-family: Open Sans, sans-serif;
+      font-weight: 600;
+      font-size: 10px;
+      line-height: 16px;
+      letter-spacing: 0.01em;
+      text-transform: uppercase;
+      color: rgba(63, 67, 80, 0.64);
+      padding: 2px 6px 2px 0px;
+    }
+
+    .gmChannelCount {
+      background-color: rgba(63, 67, 80, 0.2);
+      padding: 0 5px;
+      border-radius: 2px;
+      margin-right: 2px;
+    }
+
+    .senderMessage div {
+      text-align: left !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px !important;
+    }
+
+    .senderInfoCol {
+      width: 394px !important;
+      padding: 0px 0px 0px 12px !important;
+    }
+
+    @media all and (min-width: 541px) {
+      .emailBody {
+        padding: 32px !important;
+      }
+    }
+
+    @media all and (max-width: 540px) and (min-width: 401px) {
+      .emailBody {
+        padding: 16px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+
+    @media all and (max-width: 400px) {
+      .emailBody {
+        padding: 0px !important;
+      }
+
+      .footerInfo div {
+        padding: 0px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .postCard {
+        padding: 0px 0px 40px 0px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+  </style>
+</head>
+
+<body style="word-spacing:normal;">
+  <div class="emailBody" style="background: #F3F3F3;">
+    <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:660px;" width="660" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+    <div style="background:#FFFFFF;background-color:#FFFFFF;margin:0px auto;border-radius:0;max-width:660px;">
+      <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#FFFFFF;background-color:#FFFFFF;width:100%;border-radius:0;">
+        <tbody>
+          <tr>
+            <td style="direction:ltr;font-size:0px;padding:24px;text-align:center;">
+              <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;border-top:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:24px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:562px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                    <tbody>
+                                      <tr>
+                                        <td style="width:132px;">
+                                          <img alt height="21" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" style="border:0;display:block;outline:none;text-decoration:none;height:21.76px;width:100%;font-size:13px;" width="132">
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:0 60px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:490px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="center" class="title" style="font-size:0px;padding:10px 0px;word-break:break-word;">
+                                  <div style="text-align: center; font-weight: 600; font-size: 28px; line-height: 36px; letter-spacing: -0.01em; color: #3F4350; font-family: Open Sans, sans-serif;">{{.Props.Title}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:10px 25px;padding-bottom:16px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:center;color:#3F4350;">{{.Props.SubTitle1}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:10px 25px;padding-top:0px;padding-bottom:24px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:center;color:#3F4350;">{{.Props.SubTitle2}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" vertical-align="middle" class="button-cloud" style="font-size:0px;padding:0px;padding-bottom:40px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;border-top:16px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/subscription?action=show_delinquency_modal" style="display: inline-block; background: #FFFFFF; margin: 0; text-transform: none; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none; background-color: #1C58D9; font-family: Open Sans, sans-serif; font-size: 16px; line-height: 18px; color: #FFFFFF; padding: 15px 24px; font-weight: 400;" target="_blank">
+                                          {{.Props.Button}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                            <tbody>
+                                              <tr>
+                                                <td style="width:320px;">
+                                                  <img alt height="auto" src="{{.Props.SiteURL}}/static/images/cloud-laptop-error.png" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="320">
+                                                </td>
+                                              </tr>
+                                            </tbody>
+                                          </table>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:0px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:600;line-height:1;text-align:left;color:#000000;">{{.Props.QuestionTitle}}</div>
+                                        </td>
+                                      </tr>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:14px;line-height:1;text-align:left;color:#3F4350;">{{.Props.QuestionInfo}}
+                                            <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
+                                              {{.Props.SupportEmail}}</a>
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding-bottom:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
+                                          <p style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:100%;">
+                                          </p>
+                                          <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:255px;" role="presentation" width="255px" ><tr><td style="height:0;line-height:0;"> &nbsp;
+</td></tr></table><![endif]-->
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-bottom:1px solid #E5E5E5;border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:12px;line-height:1;text-align:center;color:#AAAAAA;">{{.Props.Organization}}
+                                            {{.Props.FooterV2}}
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr></table><![endif]-->
+            </td>
+          </tr>
+        </tbody>
+      </table>
+    </div>
+    <!--[if mso | IE]></td></tr></table><![endif]-->
+  </div>
+</body>
+
+</html>
+
+{{end}}
diff --git a/templates/cloud_14_day_arrears.mjml b/templates/cloud_14_day_arrears.mjml
new file mode 100644
index 0000000000..1c6617ca81
--- /dev/null
+++ b/templates/cloud_14_day_arrears.mjml
@@ -0,0 +1,17 @@
+<mjml>
+  <mj-head>
+    <mj-include path="./partials/style.mjml" />
+  </mj-head>
+  <mj-body css-class="emailBody" width="660px">
+    <mj-wrapper mj-class="email" border-radius="0">
+      <mj-section padding="24px" border-top="1px solid #E5E5E5" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+        <mj-column>
+          <mj-image mj-class="logo" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" />
+        </mj-column>
+      </mj-section>
+      <mj-include path="./partials/cloud_title_2subtitles_button.mjml" />
+      <mj-include path="./partials/cloud_laptop_error.mjml" />
+      <mj-include path="./partials/cloud_questions_hr_email_footer.mjml" />
+    </mj-wrapper>
+  </mj-body>
+</mjml>
diff --git a/templates/cloud_30_day_arrears.html b/templates/cloud_30_day_arrears.html
new file mode 100644
index 0000000000..2388bc3b67
--- /dev/null
+++ b/templates/cloud_30_day_arrears.html
@@ -0,0 +1,608 @@
+{{define "cloud_30_day_arrears"}}
+
+<!-- FILE: cloud_30_day_arrears.mjml -->
+<!doctype html>
+<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
+
+<head>
+  <title>
+  </title>
+  <!--[if !mso]><!-->
+  <meta http-equiv="X-UA-Compatible" content="IE=edge">
+  <!--<![endif]-->
+  <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1">
+  <style type="text/css">
+    #outlook a {
+      padding: 0;
+    }
+
+    body {
+      margin: 0;
+      padding: 0;
+      -webkit-text-size-adjust: 100%;
+      -ms-text-size-adjust: 100%;
+    }
+
+    table,
+    td {
+      border-collapse: collapse;
+      mso-table-lspace: 0pt;
+      mso-table-rspace: 0pt;
+    }
+
+    img {
+      border: 0;
+      height: auto;
+      line-height: 100%;
+      outline: none;
+      text-decoration: none;
+      -ms-interpolation-mode: bicubic;
+    }
+
+    p {
+      display: block;
+      margin: 13px 0;
+    }
+  </style>
+  <!--[if mso]>
+        <xml>
+        <o:OfficeDocumentSettings>
+          <o:AllowPNG/>
+          <o:PixelsPerInch>96</o:PixelsPerInch>
+        </o:OfficeDocumentSettings>
+        </xml>
+        <![endif]-->
+  <!--[if lte mso 11]>
+        <style type="text/css">
+          .mj-outlook-group-fix { width:100% !important; }
+        </style>
+        <![endif]-->
+  <!--[if !mso]><!-->
+  <link href="https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700" rel="stylesheet" type="text/css">
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700);
+  </style>
+  <!--<![endif]-->
+  <style type="text/css">
+    @media only screen and (min-width:480px) {
+      .mj-column-per-100 {
+        width: 100% !important;
+        max-width: 100%;
+      }
+
+      .mj-column-per-50 {
+        width: 50% !important;
+        max-width: 50%;
+      }
+    }
+  </style>
+  <style media="screen and (min-width:480px)">
+    .moz-text-html .mj-column-per-100 {
+      width: 100% !important;
+      max-width: 100%;
+    }
+
+    .moz-text-html .mj-column-per-50 {
+      width: 50% !important;
+      max-width: 50%;
+    }
+  </style>
+  <style type="text/css">
+    @media only screen and (max-width:480px) {
+      table.mj-full-width-mobile {
+        width: 100% !important;
+      }
+
+      td.mj-full-width-mobile {
+        width: auto !important;
+      }
+    }
+  </style>
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,600,700);
+
+    .emailBody {
+      background: #F3F3F3 !important;
+    }
+
+    .emailBody a {
+      text-decoration: none !important;
+      color: #1C58D9;
+    }
+
+    .title div {
+      font-weight: 600 !important;
+      font-size: 28px !important;
+      line-height: 36px !important;
+      letter-spacing: -0.01em !important;
+      color: #3F4350 !important;
+      font-family: Open Sans, sans-serif !important;
+    }
+
+    .subTitle div {
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: rgba(63, 67, 80, 0.64) !important;
+    }
+
+    .subTitle a {
+      color: rgb(28, 88, 217) !important;
+    }
+
+    .button a {
+      background-color: #1C58D9 !important;
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .button-cloud a {
+      background-color: #1C58D9 !important;
+      font-weight: 400 !important;
+      font-family: Open Sans, sans-serif !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .messageButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #FFFFFF !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 12px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .info div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 40px 0px !important;
+    }
+
+    .footerTitle div {
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: #3F4350 !important;
+      padding: 0px 0px 4px 0px !important;
+    }
+
+    .footerInfo div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px 48px 0px 48px !important;
+    }
+
+    .footerInfo a {
+      color: #1C58D9 !important;
+    }
+
+    .appDownloadButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #1C58D9 !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 13px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .emailFooter div {
+      font-size: 12px !important;
+      line-height: 16px !important;
+      color: rgba(63, 67, 80, 0.56) !important;
+      padding: 8px 24px 8px 24px !important;
+    }
+
+    .postCard {
+      padding: 0px 24px 40px 24px !important;
+    }
+
+    .messageCard {
+      background: #FFFFFF !important;
+      border: 1px solid rgba(61, 60, 64, 0.08) !important;
+      box-sizing: border-box !important;
+      box-shadow: 0px 8px 24px rgba(0, 0, 0, 0.12) !important;
+      border-radius: 4px !important;
+      padding: 32px !important;
+    }
+
+    .messageAvatar img {
+      width: 32px !important;
+      height: 32px !important;
+      padding: 0px !important;
+      border-radius: 32px !important;
+    }
+
+    .messageAvatarCol {
+      width: 32px !important;
+    }
+
+    .postNameAndTime {
+      padding: 0px 0px 4px 0px !important;
+      display: flex;
+    }
+
+    .senderName {
+      font-family: Open Sans, sans-serif;
+      text-align: left !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+    }
+
+    .time {
+      font-family: Open Sans, sans-serif;
+      font-size: 12px;
+      line-height: 16px;
+      color: rgba(63, 67, 80, 0.56);
+      padding: 2px 6px;
+      align-items: center;
+      float: left;
+    }
+
+    .channelBg {
+      background: rgba(63, 67, 80, 0.08);
+      border-radius: 4px;
+      display: flex;
+      padding-left: 4px;
+    }
+
+    .channelLogo {
+      width: 10px;
+      height: 10px;
+      padding: 5px 4px 5px 6px;
+      float: left;
+    }
+
+    .channelName {
+      font-family: Open Sans, sans-serif;
+      font-weight: 600;
+      font-size: 10px;
+      line-height: 16px;
+      letter-spacing: 0.01em;
+      text-transform: uppercase;
+      color: rgba(63, 67, 80, 0.64);
+      padding: 2px 6px 2px 0px;
+    }
+
+    .gmChannelCount {
+      background-color: rgba(63, 67, 80, 0.2);
+      padding: 0 5px;
+      border-radius: 2px;
+      margin-right: 2px;
+    }
+
+    .senderMessage div {
+      text-align: left !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px !important;
+    }
+
+    .senderInfoCol {
+      width: 394px !important;
+      padding: 0px 0px 0px 12px !important;
+    }
+
+    @media all and (min-width: 541px) {
+      .emailBody {
+        padding: 32px !important;
+      }
+    }
+
+    @media all and (max-width: 540px) and (min-width: 401px) {
+      .emailBody {
+        padding: 16px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+
+    @media all and (max-width: 400px) {
+      .emailBody {
+        padding: 0px !important;
+      }
+
+      .footerInfo div {
+        padding: 0px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .postCard {
+        padding: 0px 0px 40px 0px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+  </style>
+</head>
+
+<body style="word-spacing:normal;">
+  <div class="emailBody" style="background: #F3F3F3;">
+    <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:660px;" width="660" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+    <div style="background:#FFFFFF;background-color:#FFFFFF;margin:0px auto;border-radius:0;max-width:660px;">
+      <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#FFFFFF;background-color:#FFFFFF;width:100%;border-radius:0;">
+        <tbody>
+          <tr>
+            <td style="direction:ltr;font-size:0px;padding:24px;text-align:center;">
+              <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;border-top:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:24px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:562px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                    <tbody>
+                                      <tr>
+                                        <td style="width:132px;">
+                                          <img alt height="21" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" style="border:0;display:block;outline:none;text-decoration:none;height:21.76px;width:100%;font-size:13px;" width="132">
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:0 60px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:490px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="left" class="title" style="font-size:0px;padding:10px 0px;padding-left:25px;word-break:break-word;">
+                                  <div style="text-align: left; font-weight: 600; font-size: 28px; line-height: 36px; letter-spacing: -0.01em; color: #3F4350; font-family: Open Sans, sans-serif;">{{.Props.Title}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:14px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle1}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:24px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle2}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0px;padding-right:118px;padding-left:60px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">
+                                    <mj-raw>
+                                      <ul padding-left="118px" padding-right="118px">
+                                        {{ range .Props.BulletListItems}}
+                                        <li text-align="left">{{.}}</li>
+                                        {{end}}
+                                      </ul>
+                                    </mj-raw>
+                                  </div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" vertical-align="middle" style="font-size:0px;padding:0px;padding-bottom:30px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/subscription" style="display: inline-block; background: #FFFFFF; color: #ffffff; font-family: Open Sans, sans-serif; font-size: 13px; font-weight: normal; line-height: 120%; margin: 0; text-transform: none; padding: 10px 25px; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none;" target="_blank">
+                                          {{.Props.LimitsDocs}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" vertical-align="middle" class="button-cloud" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;border-top:16px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/subscription" style="display: inline-block; background: #FFFFFF; margin: 0; text-transform: none; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none; background-color: #1C58D9; font-family: Open Sans, sans-serif; font-size: 16px; line-height: 18px; color: #FFFFFF; padding: 15px 24px; font-weight: 400;" target="_blank">
+                                          {{.Props.Button}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                            <tbody>
+                                              <tr>
+                                                <td style="width:320px;">
+                                                  <img alt height="auto" src="{{.Props.SiteURL}}/static/images/cloud-laptop-warning.png" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="320">
+                                                </td>
+                                              </tr>
+                                            </tbody>
+                                          </table>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:0px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:600;line-height:1;text-align:left;color:#000000;">{{.Props.QuestionTitle}}</div>
+                                        </td>
+                                      </tr>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:14px;line-height:1;text-align:left;color:#3F4350;">{{.Props.QuestionInfo}}
+                                            <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
+                                              {{.Props.SupportEmail}}</a>
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding-bottom:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
+                                          <p style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:100%;">
+                                          </p>
+                                          <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:255px;" role="presentation" width="255px" ><tr><td style="height:0;line-height:0;"> &nbsp;
+</td></tr></table><![endif]-->
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-bottom:1px solid #E5E5E5;border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:12px;line-height:1;text-align:center;color:#AAAAAA;">{{.Props.Organization}}
+                                            {{.Props.FooterV2}}
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr></table><![endif]-->
+            </td>
+          </tr>
+        </tbody>
+      </table>
+    </div>
+    <!--[if mso | IE]></td></tr></table><![endif]-->
+  </div>
+</body>
+
+</html>
+
+{{end}}
diff --git a/templates/cloud_30_day_arrears.mjml b/templates/cloud_30_day_arrears.mjml
new file mode 100644
index 0000000000..8f1fff3ca1
--- /dev/null
+++ b/templates/cloud_30_day_arrears.mjml
@@ -0,0 +1,44 @@
+<mjml>
+  <mj-head>
+    <mj-include path="./partials/style.mjml" />
+  </mj-head>
+  <mj-body css-class="emailBody" width="660px">
+    <mj-wrapper mj-class="email" border-radius="0">
+      <mj-section padding="24px" border-top="1px solid #E5E5E5" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+        <mj-column>
+          <mj-image mj-class="logo" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" />
+        </mj-column>
+      </mj-section>
+      <mj-section  padding="0 60px" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+        <mj-column>
+          <mj-text align="left" css-class="title" font-family="Open Sans, sans-serif" padding="10px 0px" padding-left="25px">
+            {{.Props.Title}}
+          </mj-text>
+          <mj-text align="left" padding-bottom="14px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" color="#000000" font-family="Open Sans, sans-serif">
+            {{.Props.SubTitle1}}
+          </mj-text>
+          <mj-text align="left" padding-bottom="24px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" color="#000000" font-family="Open Sans, sans-serif">
+            {{.Props.SubTitle2}}
+          </mj-text>
+          <mj-text align="left" padding-left="60px" padding-right="118px" padding-top="0px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" color="#000000" font-family="Open Sans, sans-serif">
+            <mj-raw>
+                <ul padding-left="118px" padding-right="118px">
+                    {{ range .Props.BulletListItems}}
+                        <li text-align="left">{{.}}</li>
+                    {{end}}
+                </ul>
+            </mj-raw>
+          </mj-text>
+          <mj-button padding-bottom="30px" align="left" href="{{.Props.SiteURL}}/admin_console/billing/subscription">
+            {{.Props.LimitsDocs}}
+          </mj-button>
+          <mj-button href="{{.Props.SiteURL}}/admin_console/billing/subscription" padding="0px" border-top="16px" font-weight="400 !important" css-class="button-cloud" font-family="Open Sans, sans-serif">
+            {{.Props.Button}}
+          </mj-button>
+        </mj-column>
+      </mj-section>
+      <mj-include path="./partials/cloud_laptop_warning.mjml" />
+      <mj-include path="./partials/cloud_questions_hr_email_footer.mjml" />
+    </mj-wrapper>
+  </mj-body>
+</mjml>
diff --git a/templates/cloud_45_day_arrears.html b/templates/cloud_45_day_arrears.html
new file mode 100644
index 0000000000..97df400064
--- /dev/null
+++ b/templates/cloud_45_day_arrears.html
@@ -0,0 +1,600 @@
+{{define "cloud_45_day_arrears"}}
+
+<!-- FILE: cloud_45_day_arrears.mjml -->
+<!doctype html>
+<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
+
+<head>
+  <title>
+  </title>
+  <!--[if !mso]><!-->
+  <meta http-equiv="X-UA-Compatible" content="IE=edge">
+  <!--<![endif]-->
+  <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1">
+  <style type="text/css">
+    #outlook a {
+      padding: 0;
+    }
+
+    body {
+      margin: 0;
+      padding: 0;
+      -webkit-text-size-adjust: 100%;
+      -ms-text-size-adjust: 100%;
+    }
+
+    table,
+    td {
+      border-collapse: collapse;
+      mso-table-lspace: 0pt;
+      mso-table-rspace: 0pt;
+    }
+
+    img {
+      border: 0;
+      height: auto;
+      line-height: 100%;
+      outline: none;
+      text-decoration: none;
+      -ms-interpolation-mode: bicubic;
+    }
+
+    p {
+      display: block;
+      margin: 13px 0;
+    }
+  </style>
+  <!--[if mso]>
+        <xml>
+        <o:OfficeDocumentSettings>
+          <o:AllowPNG/>
+          <o:PixelsPerInch>96</o:PixelsPerInch>
+        </o:OfficeDocumentSettings>
+        </xml>
+        <![endif]-->
+  <!--[if lte mso 11]>
+        <style type="text/css">
+          .mj-outlook-group-fix { width:100% !important; }
+        </style>
+        <![endif]-->
+  <!--[if !mso]><!-->
+  <link href="https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700" rel="stylesheet" type="text/css">
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700);
+  </style>
+  <!--<![endif]-->
+  <style type="text/css">
+    @media only screen and (min-width:480px) {
+      .mj-column-per-100 {
+        width: 100% !important;
+        max-width: 100%;
+      }
+
+      .mj-column-per-50 {
+        width: 50% !important;
+        max-width: 50%;
+      }
+    }
+  </style>
+  <style media="screen and (min-width:480px)">
+    .moz-text-html .mj-column-per-100 {
+      width: 100% !important;
+      max-width: 100%;
+    }
+
+    .moz-text-html .mj-column-per-50 {
+      width: 50% !important;
+      max-width: 50%;
+    }
+  </style>
+  <style type="text/css">
+    @media only screen and (max-width:480px) {
+      table.mj-full-width-mobile {
+        width: 100% !important;
+      }
+
+      td.mj-full-width-mobile {
+        width: auto !important;
+      }
+    }
+  </style>
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,600,700);
+
+    .emailBody {
+      background: #F3F3F3 !important;
+    }
+
+    .emailBody a {
+      text-decoration: none !important;
+      color: #1C58D9;
+    }
+
+    .title div {
+      font-weight: 600 !important;
+      font-size: 28px !important;
+      line-height: 36px !important;
+      letter-spacing: -0.01em !important;
+      color: #3F4350 !important;
+      font-family: Open Sans, sans-serif !important;
+    }
+
+    .subTitle div {
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: rgba(63, 67, 80, 0.64) !important;
+    }
+
+    .subTitle a {
+      color: rgb(28, 88, 217) !important;
+    }
+
+    .button a {
+      background-color: #1C58D9 !important;
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .button-cloud a {
+      background-color: #1C58D9 !important;
+      font-weight: 400 !important;
+      font-family: Open Sans, sans-serif !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .messageButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #FFFFFF !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 12px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .info div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 40px 0px !important;
+    }
+
+    .footerTitle div {
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: #3F4350 !important;
+      padding: 0px 0px 4px 0px !important;
+    }
+
+    .footerInfo div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px 48px 0px 48px !important;
+    }
+
+    .footerInfo a {
+      color: #1C58D9 !important;
+    }
+
+    .appDownloadButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #1C58D9 !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 13px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .emailFooter div {
+      font-size: 12px !important;
+      line-height: 16px !important;
+      color: rgba(63, 67, 80, 0.56) !important;
+      padding: 8px 24px 8px 24px !important;
+    }
+
+    .postCard {
+      padding: 0px 24px 40px 24px !important;
+    }
+
+    .messageCard {
+      background: #FFFFFF !important;
+      border: 1px solid rgba(61, 60, 64, 0.08) !important;
+      box-sizing: border-box !important;
+      box-shadow: 0px 8px 24px rgba(0, 0, 0, 0.12) !important;
+      border-radius: 4px !important;
+      padding: 32px !important;
+    }
+
+    .messageAvatar img {
+      width: 32px !important;
+      height: 32px !important;
+      padding: 0px !important;
+      border-radius: 32px !important;
+    }
+
+    .messageAvatarCol {
+      width: 32px !important;
+    }
+
+    .postNameAndTime {
+      padding: 0px 0px 4px 0px !important;
+      display: flex;
+    }
+
+    .senderName {
+      font-family: Open Sans, sans-serif;
+      text-align: left !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+    }
+
+    .time {
+      font-family: Open Sans, sans-serif;
+      font-size: 12px;
+      line-height: 16px;
+      color: rgba(63, 67, 80, 0.56);
+      padding: 2px 6px;
+      align-items: center;
+      float: left;
+    }
+
+    .channelBg {
+      background: rgba(63, 67, 80, 0.08);
+      border-radius: 4px;
+      display: flex;
+      padding-left: 4px;
+    }
+
+    .channelLogo {
+      width: 10px;
+      height: 10px;
+      padding: 5px 4px 5px 6px;
+      float: left;
+    }
+
+    .channelName {
+      font-family: Open Sans, sans-serif;
+      font-weight: 600;
+      font-size: 10px;
+      line-height: 16px;
+      letter-spacing: 0.01em;
+      text-transform: uppercase;
+      color: rgba(63, 67, 80, 0.64);
+      padding: 2px 6px 2px 0px;
+    }
+
+    .gmChannelCount {
+      background-color: rgba(63, 67, 80, 0.2);
+      padding: 0 5px;
+      border-radius: 2px;
+      margin-right: 2px;
+    }
+
+    .senderMessage div {
+      text-align: left !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px !important;
+    }
+
+    .senderInfoCol {
+      width: 394px !important;
+      padding: 0px 0px 0px 12px !important;
+    }
+
+    @media all and (min-width: 541px) {
+      .emailBody {
+        padding: 32px !important;
+      }
+    }
+
+    @media all and (max-width: 540px) and (min-width: 401px) {
+      .emailBody {
+        padding: 16px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+
+    @media all and (max-width: 400px) {
+      .emailBody {
+        padding: 0px !important;
+      }
+
+      .footerInfo div {
+        padding: 0px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .postCard {
+        padding: 0px 0px 40px 0px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+  </style>
+</head>
+
+<body style="word-spacing:normal;">
+  <div class="emailBody" style="background: #F3F3F3;">
+    <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:660px;" width="660" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+    <div style="background:#FFFFFF;background-color:#FFFFFF;margin:0px auto;border-radius:0;max-width:660px;">
+      <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#FFFFFF;background-color:#FFFFFF;width:100%;border-radius:0;">
+        <tbody>
+          <tr>
+            <td style="direction:ltr;font-size:0px;padding:24px;text-align:center;">
+              <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;border-top:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:24px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:562px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                    <tbody>
+                                      <tr>
+                                        <td style="width:132px;">
+                                          <img alt height="21" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" style="border:0;display:block;outline:none;text-decoration:none;height:21.76px;width:100%;font-size:13px;" width="132">
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:0 60px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:490px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="left" class="title" style="font-size:0px;padding:10px 0px;padding-left:25px;word-break:break-word;">
+                                  <div style="text-align: left; font-weight: 600; font-size: 28px; line-height: 36px; letter-spacing: -0.01em; color: #3F4350; font-family: Open Sans, sans-serif;">{{.Props.Title}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:16px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle1}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0px;padding-bottom:16px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle2}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0px;padding-bottom:24px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle3}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" vertical-align="middle" class="button-cloud" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;border-top:16px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/payment_info" style="display: inline-block; background: #FFFFFF; margin: 0; text-transform: none; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none; background-color: #1C58D9; font-family: Open Sans, sans-serif; font-size: 16px; line-height: 18px; color: #FFFFFF; padding: 15px 24px; font-weight: 400;" target="_blank">
+                                          {{.Props.Button}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" vertical-align="middle" style="font-size:0px;padding:0px;padding-top:12px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/subscription?action=show_delinquency_modal" style="display: inline-block; background: #FFFFFF; color: #166DE0; font-family: Open Sans, sans-serif; font-size: 13px; font-weight: 600; line-height: 120%; margin: 0; text-transform: none; padding: 10px 25px; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none;" target="_blank">
+                                          {{.Props.SecondaryActionButtonText}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                            <tbody>
+                                              <tr>
+                                                <td style="width:320px;">
+                                                  <img alt height="auto" src="{{.Props.SiteURL}}/static/images/cloud-laptop-warning.png" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="320">
+                                                </td>
+                                              </tr>
+                                            </tbody>
+                                          </table>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:0px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:600;line-height:1;text-align:left;color:#000000;">{{.Props.QuestionTitle}}</div>
+                                        </td>
+                                      </tr>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:14px;line-height:1;text-align:left;color:#3F4350;">{{.Props.QuestionInfo}}
+                                            <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
+                                              {{.Props.SupportEmail}}</a>
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding-bottom:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
+                                          <p style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:100%;">
+                                          </p>
+                                          <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:255px;" role="presentation" width="255px" ><tr><td style="height:0;line-height:0;"> &nbsp;
+</td></tr></table><![endif]-->
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-bottom:1px solid #E5E5E5;border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:12px;line-height:1;text-align:center;color:#AAAAAA;">{{.Props.Organization}}
+                                            {{.Props.FooterV2}}
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr></table><![endif]-->
+            </td>
+          </tr>
+        </tbody>
+      </table>
+    </div>
+    <!--[if mso | IE]></td></tr></table><![endif]-->
+  </div>
+</body>
+
+</html>
+
+{{end}}
diff --git a/templates/cloud_45_day_arrears.mjml b/templates/cloud_45_day_arrears.mjml
new file mode 100644
index 0000000000..3f4799fd04
--- /dev/null
+++ b/templates/cloud_45_day_arrears.mjml
@@ -0,0 +1,17 @@
+<mjml>
+  <mj-head>
+    <mj-include path="./partials/style.mjml" />
+  </mj-head>
+  <mj-body css-class="emailBody" width="660px">
+    <mj-wrapper mj-class="email" border-radius="0">
+      <mj-section padding="24px" border-top="1px solid #E5E5E5" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+        <mj-column>
+          <mj-image mj-class="logo" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" />
+        </mj-column>
+      </mj-section>
+      <mj-include path="./partials/cloud_title_3subtitles_button.mjml" />
+      <mj-include path="./partials/cloud_laptop_warning.mjml" />
+      <mj-include path="./partials/cloud_questions_hr_email_footer.mjml" />
+    </mj-wrapper>
+  </mj-body>
+</mjml>
diff --git a/templates/cloud_7_day_arrears.html b/templates/cloud_7_day_arrears.html
new file mode 100644
index 0000000000..db1d3447bd
--- /dev/null
+++ b/templates/cloud_7_day_arrears.html
@@ -0,0 +1,582 @@
+{{define "cloud_7_day_arrears"}}
+
+<!-- FILE: cloud_7_day_arrears.mjml -->
+<!doctype html>
+<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
+
+<head>
+  <title>
+  </title>
+  <!--[if !mso]><!-->
+  <meta http-equiv="X-UA-Compatible" content="IE=edge">
+  <!--<![endif]-->
+  <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1">
+  <style type="text/css">
+    #outlook a {
+      padding: 0;
+    }
+
+    body {
+      margin: 0;
+      padding: 0;
+      -webkit-text-size-adjust: 100%;
+      -ms-text-size-adjust: 100%;
+    }
+
+    table,
+    td {
+      border-collapse: collapse;
+      mso-table-lspace: 0pt;
+      mso-table-rspace: 0pt;
+    }
+
+    img {
+      border: 0;
+      height: auto;
+      line-height: 100%;
+      outline: none;
+      text-decoration: none;
+      -ms-interpolation-mode: bicubic;
+    }
+
+    p {
+      display: block;
+      margin: 13px 0;
+    }
+  </style>
+  <!--[if mso]>
+        <xml>
+        <o:OfficeDocumentSettings>
+          <o:AllowPNG/>
+          <o:PixelsPerInch>96</o:PixelsPerInch>
+        </o:OfficeDocumentSettings>
+        </xml>
+        <![endif]-->
+  <!--[if lte mso 11]>
+        <style type="text/css">
+          .mj-outlook-group-fix { width:100% !important; }
+        </style>
+        <![endif]-->
+  <!--[if !mso]><!-->
+  <link href="https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700" rel="stylesheet" type="text/css">
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700);
+  </style>
+  <!--<![endif]-->
+  <style type="text/css">
+    @media only screen and (min-width:480px) {
+      .mj-column-per-100 {
+        width: 100% !important;
+        max-width: 100%;
+      }
+
+      .mj-column-per-50 {
+        width: 50% !important;
+        max-width: 50%;
+      }
+    }
+  </style>
+  <style media="screen and (min-width:480px)">
+    .moz-text-html .mj-column-per-100 {
+      width: 100% !important;
+      max-width: 100%;
+    }
+
+    .moz-text-html .mj-column-per-50 {
+      width: 50% !important;
+      max-width: 50%;
+    }
+  </style>
+  <style type="text/css">
+    @media only screen and (max-width:480px) {
+      table.mj-full-width-mobile {
+        width: 100% !important;
+      }
+
+      td.mj-full-width-mobile {
+        width: auto !important;
+      }
+    }
+  </style>
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,600,700);
+
+    .emailBody {
+      background: #F3F3F3 !important;
+    }
+
+    .emailBody a {
+      text-decoration: none !important;
+      color: #1C58D9;
+    }
+
+    .title div {
+      font-weight: 600 !important;
+      font-size: 28px !important;
+      line-height: 36px !important;
+      letter-spacing: -0.01em !important;
+      color: #3F4350 !important;
+      font-family: Open Sans, sans-serif !important;
+    }
+
+    .subTitle div {
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: rgba(63, 67, 80, 0.64) !important;
+    }
+
+    .subTitle a {
+      color: rgb(28, 88, 217) !important;
+    }
+
+    .button a {
+      background-color: #1C58D9 !important;
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .button-cloud a {
+      background-color: #1C58D9 !important;
+      font-weight: 400 !important;
+      font-family: Open Sans, sans-serif !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .messageButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #FFFFFF !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 12px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .info div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 40px 0px !important;
+    }
+
+    .footerTitle div {
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: #3F4350 !important;
+      padding: 0px 0px 4px 0px !important;
+    }
+
+    .footerInfo div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px 48px 0px 48px !important;
+    }
+
+    .footerInfo a {
+      color: #1C58D9 !important;
+    }
+
+    .appDownloadButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #1C58D9 !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 13px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .emailFooter div {
+      font-size: 12px !important;
+      line-height: 16px !important;
+      color: rgba(63, 67, 80, 0.56) !important;
+      padding: 8px 24px 8px 24px !important;
+    }
+
+    .postCard {
+      padding: 0px 24px 40px 24px !important;
+    }
+
+    .messageCard {
+      background: #FFFFFF !important;
+      border: 1px solid rgba(61, 60, 64, 0.08) !important;
+      box-sizing: border-box !important;
+      box-shadow: 0px 8px 24px rgba(0, 0, 0, 0.12) !important;
+      border-radius: 4px !important;
+      padding: 32px !important;
+    }
+
+    .messageAvatar img {
+      width: 32px !important;
+      height: 32px !important;
+      padding: 0px !important;
+      border-radius: 32px !important;
+    }
+
+    .messageAvatarCol {
+      width: 32px !important;
+    }
+
+    .postNameAndTime {
+      padding: 0px 0px 4px 0px !important;
+      display: flex;
+    }
+
+    .senderName {
+      font-family: Open Sans, sans-serif;
+      text-align: left !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+    }
+
+    .time {
+      font-family: Open Sans, sans-serif;
+      font-size: 12px;
+      line-height: 16px;
+      color: rgba(63, 67, 80, 0.56);
+      padding: 2px 6px;
+      align-items: center;
+      float: left;
+    }
+
+    .channelBg {
+      background: rgba(63, 67, 80, 0.08);
+      border-radius: 4px;
+      display: flex;
+      padding-left: 4px;
+    }
+
+    .channelLogo {
+      width: 10px;
+      height: 10px;
+      padding: 5px 4px 5px 6px;
+      float: left;
+    }
+
+    .channelName {
+      font-family: Open Sans, sans-serif;
+      font-weight: 600;
+      font-size: 10px;
+      line-height: 16px;
+      letter-spacing: 0.01em;
+      text-transform: uppercase;
+      color: rgba(63, 67, 80, 0.64);
+      padding: 2px 6px 2px 0px;
+    }
+
+    .gmChannelCount {
+      background-color: rgba(63, 67, 80, 0.2);
+      padding: 0 5px;
+      border-radius: 2px;
+      margin-right: 2px;
+    }
+
+    .senderMessage div {
+      text-align: left !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px !important;
+    }
+
+    .senderInfoCol {
+      width: 394px !important;
+      padding: 0px 0px 0px 12px !important;
+    }
+
+    @media all and (min-width: 541px) {
+      .emailBody {
+        padding: 32px !important;
+      }
+    }
+
+    @media all and (max-width: 540px) and (min-width: 401px) {
+      .emailBody {
+        padding: 16px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+
+    @media all and (max-width: 400px) {
+      .emailBody {
+        padding: 0px !important;
+      }
+
+      .footerInfo div {
+        padding: 0px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .postCard {
+        padding: 0px 0px 40px 0px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+  </style>
+</head>
+
+<body style="word-spacing:normal;">
+  <div class="emailBody" style="background: #F3F3F3;">
+    <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:660px;" width="660" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+    <div style="background:#FFFFFF;background-color:#FFFFFF;margin:0px auto;border-radius:0;max-width:660px;">
+      <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#FFFFFF;background-color:#FFFFFF;width:100%;border-radius:0;">
+        <tbody>
+          <tr>
+            <td style="direction:ltr;font-size:0px;padding:24px;text-align:center;">
+              <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;border-top:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:24px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:562px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                    <tbody>
+                                      <tr>
+                                        <td style="width:132px;">
+                                          <img alt height="21" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" style="border:0;display:block;outline:none;text-decoration:none;height:21.76px;width:100%;font-size:13px;" width="132">
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:0 60px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:490px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="center" class="title" style="font-size:0px;padding:10px 0px;word-break:break-word;">
+                                  <div style="text-align: center; font-weight: 600; font-size: 28px; line-height: 36px; letter-spacing: -0.01em; color: #3F4350; font-family: Open Sans, sans-serif;">{{.Props.Title}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:10px 25px;padding-bottom:16px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:center;color:#3F4350;">{{.Props.SubTitle1}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:10px 25px;padding-top:0px;padding-bottom:24px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:center;color:#3F4350;">{{.Props.SubTitle2}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" vertical-align="middle" class="button-cloud" style="font-size:0px;padding:0px;padding-bottom:40px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;border-top:16px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/subscription?action=show_delinquency_modal" style="display: inline-block; background: #FFFFFF; margin: 0; text-transform: none; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none; background-color: #1C58D9; font-family: Open Sans, sans-serif; font-size: 16px; line-height: 18px; color: #FFFFFF; padding: 15px 24px; font-weight: 400;" target="_blank">
+                                          {{.Props.Button}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                            <tbody>
+                                              <tr>
+                                                <td style="width:320px;">
+                                                  <img alt height="auto" src="{{.Props.SiteURL}}/static/images/cloud-laptop-error.png" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="320">
+                                                </td>
+                                              </tr>
+                                            </tbody>
+                                          </table>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:0px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:600;line-height:1;text-align:left;color:#000000;">{{.Props.QuestionTitle}}</div>
+                                        </td>
+                                      </tr>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:14px;line-height:1;text-align:left;color:#3F4350;">{{.Props.QuestionInfo}}
+                                            <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
+                                              {{.Props.SupportEmail}}</a>
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding-bottom:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
+                                          <p style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:100%;">
+                                          </p>
+                                          <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:255px;" role="presentation" width="255px" ><tr><td style="height:0;line-height:0;"> &nbsp;
+</td></tr></table><![endif]-->
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-bottom:1px solid #E5E5E5;border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:12px;line-height:1;text-align:center;color:#AAAAAA;">{{.Props.Organization}}
+                                            {{.Props.FooterV2}}
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr></table><![endif]-->
+            </td>
+          </tr>
+        </tbody>
+      </table>
+    </div>
+    <!--[if mso | IE]></td></tr></table><![endif]-->
+  </div>
+</body>
+
+</html>
+
+{{end}}
diff --git a/templates/cloud_7_day_arrears.mjml b/templates/cloud_7_day_arrears.mjml
new file mode 100644
index 0000000000..1c6617ca81
--- /dev/null
+++ b/templates/cloud_7_day_arrears.mjml
@@ -0,0 +1,17 @@
+<mjml>
+  <mj-head>
+    <mj-include path="./partials/style.mjml" />
+  </mj-head>
+  <mj-body css-class="emailBody" width="660px">
+    <mj-wrapper mj-class="email" border-radius="0">
+      <mj-section padding="24px" border-top="1px solid #E5E5E5" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+        <mj-column>
+          <mj-image mj-class="logo" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" />
+        </mj-column>
+      </mj-section>
+      <mj-include path="./partials/cloud_title_2subtitles_button.mjml" />
+      <mj-include path="./partials/cloud_laptop_error.mjml" />
+      <mj-include path="./partials/cloud_questions_hr_email_footer.mjml" />
+    </mj-wrapper>
+  </mj-body>
+</mjml>
diff --git a/templates/cloud_90_day_arrears.html b/templates/cloud_90_day_arrears.html
new file mode 100644
index 0000000000..5832fd1538
--- /dev/null
+++ b/templates/cloud_90_day_arrears.html
@@ -0,0 +1,600 @@
+{{define "cloud_90_day_arrears"}}
+
+<!-- FILE: cloud_90_day_arrears.mjml -->
+<!doctype html>
+<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
+
+<head>
+  <title>
+  </title>
+  <!--[if !mso]><!-->
+  <meta http-equiv="X-UA-Compatible" content="IE=edge">
+  <!--<![endif]-->
+  <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1">
+  <style type="text/css">
+    #outlook a {
+      padding: 0;
+    }
+
+    body {
+      margin: 0;
+      padding: 0;
+      -webkit-text-size-adjust: 100%;
+      -ms-text-size-adjust: 100%;
+    }
+
+    table,
+    td {
+      border-collapse: collapse;
+      mso-table-lspace: 0pt;
+      mso-table-rspace: 0pt;
+    }
+
+    img {
+      border: 0;
+      height: auto;
+      line-height: 100%;
+      outline: none;
+      text-decoration: none;
+      -ms-interpolation-mode: bicubic;
+    }
+
+    p {
+      display: block;
+      margin: 13px 0;
+    }
+  </style>
+  <!--[if mso]>
+        <xml>
+        <o:OfficeDocumentSettings>
+          <o:AllowPNG/>
+          <o:PixelsPerInch>96</o:PixelsPerInch>
+        </o:OfficeDocumentSettings>
+        </xml>
+        <![endif]-->
+  <!--[if lte mso 11]>
+        <style type="text/css">
+          .mj-outlook-group-fix { width:100% !important; }
+        </style>
+        <![endif]-->
+  <!--[if !mso]><!-->
+  <link href="https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700" rel="stylesheet" type="text/css">
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,700);
+  </style>
+  <!--<![endif]-->
+  <style type="text/css">
+    @media only screen and (min-width:480px) {
+      .mj-column-per-100 {
+        width: 100% !important;
+        max-width: 100%;
+      }
+
+      .mj-column-per-50 {
+        width: 50% !important;
+        max-width: 50%;
+      }
+    }
+  </style>
+  <style media="screen and (min-width:480px)">
+    .moz-text-html .mj-column-per-100 {
+      width: 100% !important;
+      max-width: 100%;
+    }
+
+    .moz-text-html .mj-column-per-50 {
+      width: 50% !important;
+      max-width: 50%;
+    }
+  </style>
+  <style type="text/css">
+    @media only screen and (max-width:480px) {
+      table.mj-full-width-mobile {
+        width: 100% !important;
+      }
+
+      td.mj-full-width-mobile {
+        width: auto !important;
+      }
+    }
+  </style>
+  <style type="text/css">
+    @import url(https://fonts.googleapis.com/css?family=Open+Sans:300,400,500,600,700);
+
+    .emailBody {
+      background: #F3F3F3 !important;
+    }
+
+    .emailBody a {
+      text-decoration: none !important;
+      color: #1C58D9;
+    }
+
+    .title div {
+      font-weight: 600 !important;
+      font-size: 28px !important;
+      line-height: 36px !important;
+      letter-spacing: -0.01em !important;
+      color: #3F4350 !important;
+      font-family: Open Sans, sans-serif !important;
+    }
+
+    .subTitle div {
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: rgba(63, 67, 80, 0.64) !important;
+    }
+
+    .subTitle a {
+      color: rgb(28, 88, 217) !important;
+    }
+
+    .button a {
+      background-color: #1C58D9 !important;
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .button-cloud a {
+      background-color: #1C58D9 !important;
+      font-weight: 400 !important;
+      font-family: Open Sans, sans-serif !important;
+      font-size: 16px !important;
+      line-height: 18px !important;
+      color: #FFFFFF !important;
+      padding: 15px 24px !important;
+    }
+
+    .messageButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #FFFFFF !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 12px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .info div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 40px 0px !important;
+    }
+
+    .footerTitle div {
+      font-weight: 600 !important;
+      font-size: 16px !important;
+      line-height: 24px !important;
+      color: #3F4350 !important;
+      padding: 0px 0px 4px 0px !important;
+    }
+
+    .footerInfo div {
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px 48px 0px 48px !important;
+    }
+
+    .footerInfo a {
+      color: #1C58D9 !important;
+    }
+
+    .appDownloadButton a {
+      background-color: #FFFFFF !important;
+      border: 1px solid #1C58D9 !important;
+      box-sizing: border-box !important;
+      color: #1C58D9 !important;
+      padding: 13px 20px !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 14px !important;
+    }
+
+    .emailFooter div {
+      font-size: 12px !important;
+      line-height: 16px !important;
+      color: rgba(63, 67, 80, 0.56) !important;
+      padding: 8px 24px 8px 24px !important;
+    }
+
+    .postCard {
+      padding: 0px 24px 40px 24px !important;
+    }
+
+    .messageCard {
+      background: #FFFFFF !important;
+      border: 1px solid rgba(61, 60, 64, 0.08) !important;
+      box-sizing: border-box !important;
+      box-shadow: 0px 8px 24px rgba(0, 0, 0, 0.12) !important;
+      border-radius: 4px !important;
+      padding: 32px !important;
+    }
+
+    .messageAvatar img {
+      width: 32px !important;
+      height: 32px !important;
+      padding: 0px !important;
+      border-radius: 32px !important;
+    }
+
+    .messageAvatarCol {
+      width: 32px !important;
+    }
+
+    .postNameAndTime {
+      padding: 0px 0px 4px 0px !important;
+      display: flex;
+    }
+
+    .senderName {
+      font-family: Open Sans, sans-serif;
+      text-align: left !important;
+      font-weight: 600 !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+    }
+
+    .time {
+      font-family: Open Sans, sans-serif;
+      font-size: 12px;
+      line-height: 16px;
+      color: rgba(63, 67, 80, 0.56);
+      padding: 2px 6px;
+      align-items: center;
+      float: left;
+    }
+
+    .channelBg {
+      background: rgba(63, 67, 80, 0.08);
+      border-radius: 4px;
+      display: flex;
+      padding-left: 4px;
+    }
+
+    .channelLogo {
+      width: 10px;
+      height: 10px;
+      padding: 5px 4px 5px 6px;
+      float: left;
+    }
+
+    .channelName {
+      font-family: Open Sans, sans-serif;
+      font-weight: 600;
+      font-size: 10px;
+      line-height: 16px;
+      letter-spacing: 0.01em;
+      text-transform: uppercase;
+      color: rgba(63, 67, 80, 0.64);
+      padding: 2px 6px 2px 0px;
+    }
+
+    .gmChannelCount {
+      background-color: rgba(63, 67, 80, 0.2);
+      padding: 0 5px;
+      border-radius: 2px;
+      margin-right: 2px;
+    }
+
+    .senderMessage div {
+      text-align: left !important;
+      font-size: 14px !important;
+      line-height: 20px !important;
+      color: #3F4350 !important;
+      padding: 0px !important;
+    }
+
+    .senderInfoCol {
+      width: 394px !important;
+      padding: 0px 0px 0px 12px !important;
+    }
+
+    @media all and (min-width: 541px) {
+      .emailBody {
+        padding: 32px !important;
+      }
+    }
+
+    @media all and (max-width: 540px) and (min-width: 401px) {
+      .emailBody {
+        padding: 16px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+
+    @media all and (max-width: 400px) {
+      .emailBody {
+        padding: 0px !important;
+      }
+
+      .footerInfo div {
+        padding: 0px !important;
+      }
+
+      .messageCard {
+        padding: 16px !important;
+      }
+
+      .postCard {
+        padding: 0px 0px 40px 0px !important;
+      }
+
+      .senderInfoCol {
+        width: 80% !important;
+        padding: 0px 0px 0px 12px !important;
+      }
+    }
+  </style>
+</head>
+
+<body style="word-spacing:normal;">
+  <div class="emailBody" style="background: #F3F3F3;">
+    <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:660px;" width="660" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+    <div style="background:#FFFFFF;background-color:#FFFFFF;margin:0px auto;border-radius:0;max-width:660px;">
+      <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#FFFFFF;background-color:#FFFFFF;width:100%;border-radius:0;">
+        <tbody>
+          <tr>
+            <td style="direction:ltr;font-size:0px;padding:24px;text-align:center;">
+              <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;border-top:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:24px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:562px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                    <tbody>
+                                      <tr>
+                                        <td style="width:132px;">
+                                          <img alt height="21" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" style="border:0;display:block;outline:none;text-decoration:none;height:21.76px;width:100%;font-size:13px;" width="132">
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:0 60px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:490px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
+                            <tbody>
+                              <tr>
+                                <td align="left" class="title" style="font-size:0px;padding:10px 0px;padding-left:25px;word-break:break-word;">
+                                  <div style="text-align: left; font-weight: 600; font-size: 28px; line-height: 36px; letter-spacing: -0.01em; color: #3F4350; font-family: Open Sans, sans-serif;">{{.Props.Title}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:16px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle1}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0px;padding-bottom:16px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle2}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0px;padding-bottom:24px;word-break:break-word;">
+                                  <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:400;line-height:24px;text-align:left;color:#3F4350;">{{.Props.SubTitle3}}</div>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" vertical-align="middle" class="button-cloud" style="font-size:0px;padding:0px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;border-top:16px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/payment_info" style="display: inline-block; background: #FFFFFF; margin: 0; text-transform: none; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none; background-color: #1C58D9; font-family: Open Sans, sans-serif; font-size: 16px; line-height: 18px; color: #FFFFFF; padding: 15px 24px; font-weight: 400;" target="_blank">
+                                          {{.Props.Button}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                              <tr>
+                                <td align="center" vertical-align="middle" style="font-size:0px;padding:0px;padding-top:12px;word-break:break-word;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
+                                    <tr>
+                                      <td align="center" bgcolor="#FFFFFF" role="presentation" style="border:none;border-radius:4px;cursor:auto;mso-padding-alt:10px 25px;background:#FFFFFF;" valign="middle">
+                                        <a href="{{.Props.SiteURL}}/admin_console/billing/subscription?action=show_delinquency_modal" style="display: inline-block; background: #FFFFFF; color: #166DE0; font-family: Open Sans, sans-serif; font-size: 13px; font-weight: 600; line-height: 120%; margin: 0; text-transform: none; padding: 10px 25px; mso-padding-alt: 0px; border-radius: 4px; text-decoration: none;" target="_blank">
+                                          {{.Props.SecondaryActionButtonText}}
+                                        </a>
+                                      </td>
+                                    </tr>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0px;word-break:break-word;">
+                                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
+                                            <tbody>
+                                              <tr>
+                                                <td style="width:320px;">
+                                                  <img alt height="auto" src="{{.Props.SiteURL}}/static/images/cloud-upgrade-person-hand-to-face.png" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="320">
+                                                </td>
+                                              </tr>
+                                            </tbody>
+                                          </table>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:0px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:16px;font-weight:600;line-height:1;text-align:left;color:#000000;">{{.Props.QuestionTitle}}</div>
+                                        </td>
+                                      </tr>
+                                      <tr>
+                                        <td align="left" style="font-size:0px;padding:10px 25px;padding-bottom:0px;padding-left:48px;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:14px;line-height:1;text-align:left;color:#3F4350;">{{.Props.QuestionInfo}}
+                                            <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
+                                              {{.Props.SupportEmail}}</a>
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td><td class="" style="vertical-align:top;width:305px;" ><![endif]-->
+                        <div class="mj-column-per-50 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding-bottom:0px;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
+                                          <p style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:100%;">
+                                          </p>
+                                          <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #E5E5E5;font-size:1px;margin:0px auto;width:255px;" role="presentation" width="255px" ><tr><td style="height:0;line-height:0;"> &nbsp;
+</td></tr></table><![endif]-->
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr><tr><td class="" width="660px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:612px;" width="612" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
+              <div style="margin:0px auto;max-width:612px;">
+                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                  <tbody>
+                    <tr>
+                      <td style="border-bottom:1px solid #E5E5E5;border-left:1px solid #E5E5E5;border-right:1px solid #E5E5E5;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-top:0px;text-align:center;">
+                        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:610px;" ><![endif]-->
+                        <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
+                          <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
+                            <tbody>
+                              <tr>
+                                <td style="vertical-align:top;padding:0;">
+                                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style width="100%">
+                                    <tbody>
+                                      <tr>
+                                        <td align="center" style="font-size:0px;padding:0;word-break:break-word;">
+                                          <div style="font-family:Open Sans, sans-serif;font-size:12px;line-height:1;text-align:center;color:#AAAAAA;">{{.Props.Organization}}
+                                            {{.Props.FooterV2}}
+                                          </div>
+                                        </td>
+                                      </tr>
+                                    </tbody>
+                                  </table>
+                                </td>
+                              </tr>
+                            </tbody>
+                          </table>
+                        </div>
+                        <!--[if mso | IE]></td></tr></table><![endif]-->
+                      </td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+              <!--[if mso | IE]></td></tr></table></td></tr></table><![endif]-->
+            </td>
+          </tr>
+        </tbody>
+      </table>
+    </div>
+    <!--[if mso | IE]></td></tr></table><![endif]-->
+  </div>
+</body>
+
+</html>
+
+{{end}}
diff --git a/templates/cloud_90_day_arrears.mjml b/templates/cloud_90_day_arrears.mjml
new file mode 100644
index 0000000000..be785ed1d1
--- /dev/null
+++ b/templates/cloud_90_day_arrears.mjml
@@ -0,0 +1,17 @@
+<mjml>
+  <mj-head>
+    <mj-include path="./partials/style.mjml" />
+  </mj-head>
+  <mj-body css-class="emailBody" width="660px">
+    <mj-wrapper mj-class="email" border-radius="0">
+      <mj-section padding="24px" border-top="1px solid #E5E5E5" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+        <mj-column>
+          <mj-image mj-class="logo" src="{{.Props.SiteURL}}/static/images/logo_email_dark.png" />
+        </mj-column>
+      </mj-section>
+      <mj-include path="./partials/cloud_title_3subtitles_button.mjml" />
+      <mj-include path="./partials/cloud_upgrade_person.mjml" />
+      <mj-include path="./partials/cloud_questions_hr_email_footer.mjml" />
+    </mj-wrapper>
+  </mj-body>
+</mjml>
diff --git a/templates/cloud_upgrade_confirmation.html b/templates/cloud_upgrade_confirmation.html
index 7bd9b57765..49d53b82c2 100644
--- a/templates/cloud_upgrade_confirmation.html
+++ b/templates/cloud_upgrade_confirmation.html
@@ -98,7 +98,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {
@@ -445,7 +445,7 @@
                                       <tr>
                                         <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
                                           <div style="font-family:Open Sans, sans-serif;font-size:14px;line-height:20px;text-align:center;color:#3F4350;">{{.Props.QuestionInfo}}
-                                            <a href="mailto:{{.Props.SupportEmail}}" style="text-decoration: none; color: #1C58D9;">
+                                            <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
                                               {{.Props.SupportEmail}}
                                             </a>
                                           </div>
diff --git a/templates/inactivity_body.html b/templates/inactivity_body.html
index 266da3b339..e742a9e81e 100644
--- a/templates/inactivity_body.html
+++ b/templates/inactivity_body.html
@@ -98,7 +98,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {
@@ -481,7 +481,7 @@
                               <tr>
                                 <td align="left" style="font-size:0px;padding:0px 0px;word-break:break-word;">
                                   <div style="font-family:Arial;font-size:14px;font-weight:normal;line-height:20px;text-align:left;color:#3F4350;">{{.Props.QuestionInfo}}
-                                    <a href="mailto:{{.Props.SupportEmail}}" style="text-decoration: none; color: #1C58D9;">
+                                    <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
                                       {{.Props.SupportEmail}}
                                     </a>
                                   </div>
diff --git a/templates/invite_body.html b/templates/invite_body.html
index 0866ebd594..730240f958 100644
--- a/templates/invite_body.html
+++ b/templates/invite_body.html
@@ -118,7 +118,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {
diff --git a/templates/license_up_for_renewal.html b/templates/license_up_for_renewal.html
index aa455ddc98..f91f3c2b4d 100644
--- a/templates/license_up_for_renewal.html
+++ b/templates/license_up_for_renewal.html
@@ -98,7 +98,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {
@@ -470,7 +470,7 @@
                               <tr>
                                 <td align="left" style="font-size:0px;padding:0px 0px ;word-break:break-word;">
                                   <div style="font-family:Arial;font-size:14px;line-height:20px;text-align:left;color:#3D3C40;">{{.Props.QuestionInfo}}
-                                    <a href="mailto:{{.Props.SupportEmail}}" style="text-decoration: none; color: #1C58D9;">
+                                    <a href="mailto:{{.Props.SupportEmail}}" style="color: #1C58D9; text-decoration: none;">
                                       {{.Props.SupportEmail}}
                                     </a>
                                   </div>
diff --git a/templates/messages_notification.html b/templates/messages_notification.html
index 6eff990157..f36e8e986d 100644
--- a/templates/messages_notification.html
+++ b/templates/messages_notification.html
@@ -118,7 +118,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {
diff --git a/templates/partials/cloud_laptop_error.mjml b/templates/partials/cloud_laptop_error.mjml
new file mode 100644
index 0000000000..d184f38011
--- /dev/null
+++ b/templates/partials/cloud_laptop_error.mjml
@@ -0,0 +1,5 @@
+<mj-section padding-top="0px" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+  <mj-column padding="0px">
+    <mj-image src="{{.Props.SiteURL}}/static/images/cloud-laptop-error.png" width="320px" padding="0px" />
+  </mj-column>
+</mj-section>
diff --git a/templates/partials/cloud_laptop_warning.mjml b/templates/partials/cloud_laptop_warning.mjml
new file mode 100644
index 0000000000..e205abbc5d
--- /dev/null
+++ b/templates/partials/cloud_laptop_warning.mjml
@@ -0,0 +1,5 @@
+<mj-section padding-top="0px" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+  <mj-column padding="0px">
+    <mj-image src="{{.Props.SiteURL}}/static/images/cloud-laptop-warning.png" width="320px" padding="0px" />
+  </mj-column>
+</mj-section>
diff --git a/templates/partials/cloud_questions_hr_email_footer.mjml b/templates/partials/cloud_questions_hr_email_footer.mjml
new file mode 100644
index 0000000000..f8bf2890d3
--- /dev/null
+++ b/templates/partials/cloud_questions_hr_email_footer.mjml
@@ -0,0 +1,23 @@
+<mj-section padding-top="0px" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+  <mj-column padding="0">
+    <mj-text font-size="16px" font-family="Open Sans, sans-serif" font-weight="600" align="left" padding="0px" padding-bottom="0px" padding-left="48px" >
+      {{.Props.QuestionTitle}}
+    </mj-text>
+    <mj-text color="#3F4350" font-size="14px" align="left" padding-left="48px" padding-bottom="0px">
+      {{.Props.QuestionInfo}}
+      <a href="mailto:{{.Props.SupportEmail}}">
+        {{.Props.SupportEmail}}</a>
+    </mj-text>
+  </mj-column>
+  <mj-column padding-bottom="0px">
+    <mj-divider border-width="1px" border-color="#E5E5E5"></mj-divider>
+  </mj-column>
+</mj-section>
+<mj-section padding-top="0px" padding-bottom="24px" border-bottom="1px solid #E5E5E5" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+  <mj-column padding="0">
+    <mj-text font-size="12px" color="#AAAAAA" padding="0">
+      {{.Props.Organization}}
+      {{.Props.FooterV2}}
+    </mj-text>
+  </mj-column>
+</mj-section>
diff --git a/templates/partials/cloud_title_2subtitles_button.mjml b/templates/partials/cloud_title_2subtitles_button.mjml
new file mode 100644
index 0000000000..6f1f2bb22b
--- /dev/null
+++ b/templates/partials/cloud_title_2subtitles_button.mjml
@@ -0,0 +1,16 @@
+<mj-section padding="0 60px" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+  <mj-column>
+    <mj-text css-class="title" font-family="Open Sans, sans-serif" padding="10px 0px">
+      {{.Props.Title}}
+    </mj-text>
+    <mj-text padding-bottom="16px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" color="#000000" font-family="Open Sans, sans-serif">
+      {{.Props.SubTitle1}}
+    </mj-text>
+    <mj-text padding-bottom="24px" padding-top="0px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" color="#000000" font-family="Open Sans, sans-serif">
+      {{.Props.SubTitle2}}
+    </mj-text>
+    <mj-button href="{{.Props.SiteURL}}/admin_console/billing/subscription?action=show_delinquency_modal" padding="0px" padding-bottom="40px" border-top="16px" font-weight="400 !important" css-class="button-cloud" font-family="Open Sans, sans-serif">
+      {{.Props.Button}}
+    </mj-button>
+  </mj-column>
+</mj-section>
diff --git a/templates/partials/cloud_title_3subtitles_button.mjml b/templates/partials/cloud_title_3subtitles_button.mjml
new file mode 100644
index 0000000000..6e41aef92f
--- /dev/null
+++ b/templates/partials/cloud_title_3subtitles_button.mjml
@@ -0,0 +1,24 @@
+<mj-section padding="0 60px" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+  <mj-column>
+    <mj-text padding-left="25px" align="left" css-class="title" font-family="Open Sans, sans-serif" padding="10px 0px">
+      {{.Props.Title}}
+    </mj-text>
+    <mj-text align="left" padding-bottom="16px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" font-family="Open Sans, sans-serif">
+      {{.Props.SubTitle1}}
+    </mj-text>
+    <mj-text align="left" padding-bottom="16px" padding-top="0px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" font-family="Open Sans, sans-serif">
+      {{.Props.SubTitle2}}
+    </mj-text>
+     <mj-text align="left" padding-bottom="24px" padding-top="0px" font-weight=400 color="#3F4350" font-size="16px" line-height="24px" font-family="Open Sans, sans-serif">
+      {{.Props.SubTitle3}}
+    </mj-text>
+    <mj-button href="{{.Props.SiteURL}}/admin_console/billing/payment_info" padding="0px" border-top="16px" font-weight="400 !important" css-class="button-cloud" font-family="Open Sans, sans-serif">
+      {{.Props.Button}}
+    </mj-button>
+    {{if .IncludeSecondaryActionButton}}
+    <mj-button color="#166DE0" align="center" padding-top="12px"  font-weight="600" href="{{.Props.SiteURL}}/admin_console/billing/subscription?action=show_delinquency_modal">
+        {{.Props.SecondaryActionButtonText}}
+    </mj-button>
+    {{end}}
+  </mj-column>
+</mj-section>
diff --git a/templates/partials/cloud_upgrade_person.mjml b/templates/partials/cloud_upgrade_person.mjml
new file mode 100644
index 0000000000..ecd94d8735
--- /dev/null
+++ b/templates/partials/cloud_upgrade_person.mjml
@@ -0,0 +1,5 @@
+<mj-section padding-top="0px" border-left="1px solid #E5E5E5" border-right="1px solid #E5E5E5">
+  <mj-column padding="0px">
+    <mj-image src="{{.Props.SiteURL}}/static/images/cloud-upgrade-person-hand-to-face.png" width="320px" padding="0px" />
+  </mj-column>
+</mj-section>
diff --git a/templates/partials/style.css b/templates/partials/style.css
index 0e303632a4..f353ecf4a6 100644
--- a/templates/partials/style.css
+++ b/templates/partials/style.css
@@ -6,7 +6,7 @@
 
 .emailBody a{
   text-decoration: none !important;
-  color: #1C58D9 !important;
+  color: #1C58D9;
 }
 
 .title div {
diff --git a/templates/reset_body.html b/templates/reset_body.html
index 740e9574eb..3f1d3c95ce 100644
--- a/templates/reset_body.html
+++ b/templates/reset_body.html
@@ -98,7 +98,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {
diff --git a/templates/verify_body.html b/templates/verify_body.html
index 27811f5a82..8f0acf64cc 100644
--- a/templates/verify_body.html
+++ b/templates/verify_body.html
@@ -98,7 +98,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {
diff --git a/templates/welcome_body.html b/templates/welcome_body.html
index 91775108cb..4954cf7b85 100644
--- a/templates/welcome_body.html
+++ b/templates/welcome_body.html
@@ -98,7 +98,7 @@
 
     .emailBody a {
       text-decoration: none !important;
-      color: #1C58D9 !important;
+      color: #1C58D9;
     }
 
     .title div {