<?xml version="1.0" encoding="UTF-8"?>
<!--
  Only the four public, sign-in-free pages. The application itself is excluded
  deliberately: it is gated, so a crawler would index an empty shell.

  URLs use the custom domain because that is the canonical hostname once it is
  attached. Until then these 404 for a crawler, which is harmless — nothing is
  submitted to Search Console before the cutover.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://www.pathforward-financial.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.pathforward-financial.com/terms.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.pathforward-financial.com/privacy.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.pathforward-financial.com/disclaimer.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
