<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Landing page (main URL) -->
  <url>
    <loc>https://smartbizai.in/</loc>
    <lastmod>2026-07-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en-IN" href="https://smartbizai.in/" />
    <xhtml:link rel="alternate" hreflang="te"    href="https://smartbizai.in/" />
    <xhtml:link rel="alternate" hreflang="hi"    href="https://smartbizai.in/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartbizai.in/" />
  </url>

  <!-- (Removed the /#customer entry — fragment URLs aren't crawlable; Google ignores
       everything after '#', so it only pointed back at the homepage.) -->

  <!-- Legal / compliance pages -->
  <url>
    <loc>https://smartbizai.in/privacy</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartbizai.in/terms</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartbizai.in/refund</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartbizai.in/delete-account</loc>
    <lastmod>2026-08-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
