<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Home/Landing Page -->
  <url>
    <loc>https://financialrecords.net/</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Authentication Pages -->
  <url>
    <loc>https://financialrecords.net/login</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financialrecords.net/signup</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!--
    /guest-login and /forgot-password removed.
    The first mints a session on a GET, so it is Disallowed in robots.txt and
    listing it here contradicted that. The second is gone with passwords.
  -->

  <!-- Public Pages -->
  <url>
    <loc>https://financialrecords.net/contact</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financialrecords.net/faq</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://financialrecords.net/reviews</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal & Information Pages -->
  <url>
    <loc>https://financialrecords.net/terms</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://financialrecords.net/privacy</loc>
    <lastmod>2025-11-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Subscription Pages -->


  <!--
    /subscription/monthly and /subscription/yearly removed: both redirect to a
    PayPal URL with a placeholder button id, so indexing them pointed searchers
    at a PayPal error page.
  -->

</urlset>
