<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
    <url>
        <loc>https://tipspac.com/</loc>
        <changefreq>daily</changefreq>
        <priority>1.0</priority>
    </url>
    <url>
        <loc>https://tipspac.com/predictions.php</loc>
        <changefreq>daily</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://tipspac.com/bankers.php</loc>
        <changefreq>daily</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://tipspac.com/history.php</loc>
        <changefreq>daily</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://tipspac.com/tutorial.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://tipspac.com/blog.php</loc>
        <changefreq>weekly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://tipspac.com/pricing.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>

    <!-- Static/legal pages — public, but low-priority and rarely change. -->
    <url>
        <loc>https://tipspac.com/contact.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>
    <url>
        <loc>https://tipspac.com/terms.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://tipspac.com/privacy.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://tipspac.com/disclaimer.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    <!--
        Deliberately NOT listed here (kept consistent with robots.txt):
          - login-register.php, forgot-password.php, reset-password.php
            (auth flows — no SEO value, and a reset link ending up in a
            sitemap/search index would be a privacy/security issue)
          - vip.php, bet-of-the-day.php
            (gated behind login/VIP status — not meant for public crawling)
          - everything under /app/ and /user/
            (admin panel and logged-in dashboard — private, not content)
    -->
</urlset>