<?xml version="1.0" encoding="UTF-8"?>
<!--
  Umbra Pay sitemap. Lists only public, indexable routes with canonical
  (absolute https://umbrapay.ca) URLs. Deliberately excludes admin.html
  (auth-gated) and budget-plan.html (renders only with a user's data).
  When you add/rename a public page, add its <url> here and set <lastmod>.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://umbrapay.ca/</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://umbrapay.ca/app.html</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://umbrapay.ca/pricing.html</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://umbrapay.ca/trust.html</loc>
    <lastmod>2026-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://umbrapay.ca/privacy.html</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://umbrapay.ca/terms.html</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
