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  <!-- Hub & reference pages -->
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  <!-- Authority / SEO keyword pages -->
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  <!-- Editorial / compliance pages -->
  <url><loc>https://fintools.co.za/about</loc><lastmod>2026-04-01</lastmod><changefreq>yearly</changefreq><priority>0.6</priority></url>
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  <url><loc>https://fintools.co.za/terms</loc><lastmod>2026-04-01</lastmod><changefreq>yearly</changefreq><priority>0.4</priority></url>
  <!-- Guides -->
  <url><loc>https://fintools.co.za/guides</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://fintools.co.za/guides/reduce-paye-tax-2026</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
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