<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://payload.training/</loc>
    <lastmod>2026-10-18</lastmod>
  </url>
  <!-- legal:start: the legal pages, written by frontend/scripts/site-legal.mjs (#561); the Terms once in force. -->
  <url>
    <loc>https://payload.training/privacy</loc>
  </url>
  <url>
    <loc>https://payload.training/refunds</loc>
  </url>
  <!-- legal:end -->
</urlset>
