<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- LEGAL HOME -->
  <url>
    <loc>https://legal.paysmart.com.ng/</loc>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- PRIVACY POLICY -->
  <url>
    <loc>https://legal.paysmart.com.ng/privacy-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- TERMS -->
  <url>
    <loc>https://legal.paysmart.com.ng/terms-of-service</loc>
    <changefreq>yearly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- AML / KYC -->
  <url>
    <loc>https://legal.paysmart.com.ng/aml-kyc</loc>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- RISK DISCLOSURE -->
  <url>
    <loc>https://legal.paysmart.com.ng/risk-disclosure</loc>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- COOKIE POLICY -->
  <url>
    <loc>https://legal.paysmart.com.ng/cookie-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- DATA COLLECTION -->
  <url>
    <loc>https://legal.paysmart.com.ng/data-collection</loc>
    <changefreq>yearly</changefreq>
    <priority>0.85</priority>
  </url>

</urlset>