<?xml version="1.0" encoding="UTF-8"?>
<!--
  Public URLs only. Authenticated app routes are excluded on purpose — see
  robots.txt. Keep in sync with LEGAL_ALIASES in src/App.jsx.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://smartmoney-app.com/</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartmoney-app.com/" />
    <xhtml:link rel="alternate" hreflang="he" href="https://smartmoney-app.com/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartmoney-app.com/" />
  </url>
  <url>
    <loc>https://smartmoney-app.com/Pricing</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/terms</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/privacy</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/cookies</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/disclaimer</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/ai</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/acceptable-use</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/refunds</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartmoney-app.com/legal/accessibility</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
</urlset>
