<?xml version="1.0" encoding="UTF-8"?>
<!-- ADR-011: the portal-owned apex sitemap = the public marketing/legal routes
     only. Merchant-profile URLs live in the separate /merchant-sitemap.xml
     (served by apps/merchant-public via rewrite). Both are referenced from
     /robots.txt. The ~29 auth routes are intentionally absent (noindex). -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://b-merchant.ph/</loc>
  </url>
  <url>
    <loc>https://b-merchant.ph/terms</loc>
  </url>
  <url>
    <loc>https://b-merchant.ph/privacy</loc>
  </url>
</urlset>
