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        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
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  <!-- Public: Homepage - Welcome Page -->
  <url>
    <loc>https://www.expensesinsight.com/</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1</priority>
  </url>
  <!-- Public: Privacy Policy Page -->
  <url>
    <loc>https://www.expensesinsight.com/privacy-policy</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Public: Terms of Service Page -->
  <url>
    <loc>https://www.expensesinsight.com/terms-of-service</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Public: Announcements Page -->
  <url>
    <loc>https://www.expensesinsight.com/announcements</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Public: Contact Us Page -->
  <url>
    <loc>https://www.expensesinsight.com/contact-us</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Protected: Main Dashboard - Expense Tracker -->
  <url>
    <loc>https://www.expensesinsight.com/main</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- Protected: Statistics Page -->
  <url>
    <loc>https://www.expensesinsight.com/statistics</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Protected: Search Page -->
  <url>
    <loc>https://www.expensesinsight.com/search</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Protected: Data Management Page -->
  <url>
    <loc>https://www.expensesinsight.com/data-management</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <!-- Protected: Budgets Page -->
  <url>
    <loc>https://www.expensesinsight.com/budgets</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- Protected: Records Page -->
  <url>
    <loc>https://www.expensesinsight.com/records</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- Protected: Personal Area Page -->
  <url>
    <loc>https://www.expensesinsight.com/personal-area</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Protected: Discounts Page - Manage Coupons, Gift Cards, and Vouchers -->
  <url>
    <loc>https://www.expensesinsight.com/discounts</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- Protected: AI Page - Financial Insights and Predictions -->
  <url>
    <loc>https://www.expensesinsight.com/ai</loc>
    <lastmod>2025-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
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