<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
 <url><loc>https://YOUR-DOMAIN/</loc><changefreq>monthly</changefreq><priority>1.0</priority></url>
 <url><loc>https://YOUR-DOMAIN/privacy.html</loc></url>
 <url><loc>https://YOUR-DOMAIN/terms.html</loc></url>
 <url><loc>https://YOUR-DOMAIN/risk-disclosure.html</loc></url>
</urlset>
