<?xml version="1.0" encoding="UTF-8"?>
<!--
  Only <loc> and <lastmod> are here on purpose. Google's sitemap documentation is
  explicit that it "ignores <priority> and <changefreq> values", so those tags were
  removed rather than left as noise that looks like it is doing something.

  <lastmod> IS used, but only "if it's consistently and verifiably accurate" —
  Google compares it against the page's actual last modification and stops trusting
  the field site-wide if it doesn't hold up. So bump a date only when the page's
  content, structured data or links genuinely changed. Do not touch every entry at
  once to look fresh; that is the pattern that gets the field discounted.

  Ordering is for humans only — "you don't have to worry about the order of the
  URLs in your sitemap, it doesn't matter to Google".
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Landing / Home -->
  <url>
    <loc>https://moninsight.com/</loc>
    <lastmod>2026-08-06</lastmod>
  </url>

  <!-- Pricing -->
  <url>
    <loc>https://moninsight.com/pricing</loc>
    <lastmod>2026-08-06</lastmod>
  </url>

  <!-- Competitor comparisons -->
  <url>
    <loc>https://moninsight.com/compare</loc>
    <lastmod>2026-08-06</lastmod>
  </url>
  <url>
    <loc>https://moninsight.com/compare/quickbooks</loc>
    <lastmod>2026-08-06</lastmod>
  </url>
  <url>
    <loc>https://moninsight.com/compare/xero</loc>
    <lastmod>2026-08-06</lastmod>
  </url>
  <url>
    <loc>https://moninsight.com/compare/wave</loc>
    <lastmod>2026-08-06</lastmod>
  </url>

  <!-- Blog — served by a separate Next.js app via a Vercel rewrite -->
  <url>
    <loc>https://moninsight.com/blog</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <!-- /resources is deliberately absent and carries noindex: the page exists and
       is prerendered, but promises downloadable guides it does not have yet. It is
       also kept out of llms.txt, the nav and the footer. Re-add here and drop the
       noindex in Resources.tsx together, once it has real content. -->

  <!-- Help Center -->
  <url>
    <loc>https://moninsight.com/help-center</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <!-- Contact -->
  <url>
    <loc>https://moninsight.com/contact</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://moninsight.com/legal/privacy</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <url>
    <loc>https://moninsight.com/legal/terms</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <url>
    <loc>https://moninsight.com/legal/security</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <url>
    <loc>https://moninsight.com/legal/compliance</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <url>
    <loc>https://moninsight.com/legal/cookies</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

</urlset>
