<?xml version="1.0" encoding="UTF-8"?>
<!-- Replace https://www.cifratek.com with your production origin (VITE_SITE_URL) when deploying a fork. -->
<!-- Public SPA routes only (no /dashboard/* — auth-gated). Toolkit hub = /tools -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Home (in-page sections: #solutions #pricing #features #toolkit #valuai #faq #competitive) -->
  <url>
    <loc>https://www.cifratek.com/</loc>
    <lastmod>2026-04-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en-GB" href="https://www.cifratek.com/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.cifratek.com/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.cifratek.com/"/>
  </url>

  <!-- /dashboard/valuai — sign-in only (not listed); use /#valuai on home + Billing copy for discovery -->

  <!--
    Toolkit hub (/tools): public catalog + featured UK sections (in-page anchors for UX; crawlers index the page):
    #uk-mtd-itsa — MTD for ITSA readiness workbooks (records only; not HMRC filing)
    #uk-property-host — Rent a Room, Airbnb/short-let post-FHL, multi-property landlord
    #uk-side-hustle — marketplace / resale trackers (Vinted, eBay, Etsy)
    #uk-cis — Construction Industry Scheme workbooks
    #uk-bundles — UK sole trader bundles
    #tool-requests — email CTA for toolkit requests
    Shop workbook routes: /dashboard/tools/* ; ValuAI workbook: /dashboard/valuai (login-gated; not listed here; disallowed in robots.txt).
  -->
  <url>
    <loc>https://www.cifratek.com/tools</loc>
    <lastmod>2026-04-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- Public tools (no login required) -->
  <url>
    <loc>https://www.cifratek.com/tools/runway-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/break-even-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/hourly-rate-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/quote-estimate-template</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/late-payment-reminder-pack</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/receipt-log-hmrc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/sa-expense-categories</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/mileage-log-hmrc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/tools/uk-invoice-template</loc>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Account entry & recovery -->
  <url>
    <loc>https://www.cifratek.com/register</loc>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/login</loc>
    <changefreq>monthly</changefreq>
    <priority>0.55</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/forgot-password</loc>
    <changefreq>yearly</changefreq>
    <priority>0.35</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/reset-password</loc>
    <changefreq>yearly</changefreq>
    <priority>0.35</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/accept-invite</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Public utility -->
  <url>
    <loc>https://www.cifratek.com/expense-receipt-upload</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Legal & privacy (LegalPrivacyPage) -->
  <url>
    <loc>https://www.cifratek.com/legal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/terms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.55</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/privacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.55</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/cookies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/gdpr</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/ccpa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/pipeda</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/lgpd</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/pdpa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/app-au</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/appi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/popia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/eu-ai-act</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/accessibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/refund</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
  <url>
    <loc>https://www.cifratek.com/legal/acceptable-use</loc>
    <changefreq>monthly</changefreq>
    <priority>0.45</priority>
  </url>
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