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

  <!-- Core public pages -->
  <url>
    <loc>https://billingguard.net/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://billingguard.net/free-review</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://billingguard.net/revenue-leakage</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://billingguard.net/bulk-audit</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Auth pages -->
  <url>
    <loc>https://billingguard.net/sign-up</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://billingguard.net/sign-in</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal / trust pages -->
  <url>
    <loc>https://billingguard.net/baa</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://billingguard.net/terms-of-service</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://billingguard.net/privacy-policy</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://billingguard.net/ai-transparency</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://billingguard.net/disaster-recovery</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

</urlset>
