The Health Coach Group may assess a $30.00 late fee for any payment that is 15 days past due. If a customer initiates a chargeback, The Health Coach Group may assess a $50.00 processing fee for each individual chargeback. The Health Coach Group may assess a $50.00 processing fee for returned checks. In the event an account is submitted to a third-party service for collection, a $50.00 processing fee may be assessed to the existing account balance. This fee is in addition to any other fees previously assessed to the account. Any charges not paid when due are subject to interest at a rate equal to the lesser of one and one-half percent (1.5%) per month; or the maximum interest rate allowed by applicable law.