<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

<!-- Homepage -->
<url>
  <loc>https://www.offerpal.io</loc>
  <lastmod>2025-09-26</lastmod>
  <changefreq>weekly</changefreq>
  <priority>1.0</priority>
</url>

<!-- Public Pages -->
<url>
  <loc>https://www.offerpal.io/privacy</loc>
  <lastmod>2025-09-26</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.5</priority>
</url>

<url>
  <loc>https://www.offerpal.io/terms</loc>
  <lastmod>2025-09-26</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.5</priority>
</url>

<url>
  <loc>https://www.offerpal.io/contact</loc>
  <lastmod>2025-09-26</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.6</priority>
</url>

<url>
  <loc>https://www.offerpal.io/resources</loc>
  <lastmod>2025-09-26</lastmod>
  <changefreq>weekly</changefreq>
  <priority>0.8</priority>
</url>

<url>
  <loc>https://www.offerpal.io/signup</loc>
  <lastmod>2025-09-26</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.7</priority>
</url>

<url>
  <loc>https://www.offerpal.io/login</loc>
  <lastmod>2025-09-26</lastmod>
  <changefreq>monthly</changefreq>
  <priority>0.4</priority>
</url>

<!-- Note: Private pages like /dashboard, /analysis are intentionally excluded from sitemap -->
<!-- They are handled by robots.txt and noindex meta tags -->

</urlset>