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<!--
  The three public pages, and only those. /home.html and /login.html are
  deliberately absent: both carry a noindex meta tag, and listing a page here
  while telling search engines not to index it is a contradiction Search
  Console reports as an error.

  Update lastmod when a page's content actually changes. A date that moves on
  every deploy teaches crawlers to ignore it.

  Careful editing this comment: XML forbids a double hyphen inside one, and a
  sitemap that fails to parse is rejected whole rather than partially read.
-->
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    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://balance.transactor.app/how-to-track-money-you-lend.html</loc>
    <lastmod>2026-07-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://balance.transactor.app/how-to-ask-someone-to-pay-you-back.html</loc>
    <lastmod>2026-07-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://balance.transactor.app/privacy.html</loc>
    <lastmod>2026-07-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://balance.transactor.app/terms.html</loc>
    <lastmod>2026-07-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
