<?xml version="1.0" encoding="UTF-8"?>
<!-- Clover Credit sitemap.

     Page URLs use the clean, extensionless form that Cloudflare Pages serves
     with HTTP 200; the .html form 301-redirects to it, so listing .html here
     would put redirects in the sitemap (LO-1012 AC6).

     The four legal document routes are included deliberately, per LO-1012:
     the lending licence and the policies are trust documents a borrower doing
     due diligence looks for. Each is listed in its plain, no-trailing-slash
     form, which is the preferred form declared site-wide. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

    <!-- Public pages -->
    <url>
        <loc>https://www.clovercredit.com/</loc>
    </url>
    <url>
        <loc>https://www.clovercredit.com/about</loc>
    </url>
    <url>
        <loc>https://www.clovercredit.com/faq</loc>
    </url>
    <url>
        <loc>https://www.clovercredit.com/states</loc>
    </url>
    <url>
        <loc>https://www.clovercredit.com/contact</loc>
    </url>

    <!-- Legal documents -->
    <url>
        <loc>https://www.clovercredit.com/terms-of-use</loc>
    </url>
    <url>
        <loc>https://www.clovercredit.com/privacy-policy</loc>
    </url>
    <url>
        <loc>https://www.clovercredit.com/lending-license</loc>
    </url>
    <url>
        <loc>https://www.clovercredit.com/clover-sms-terms</loc>
    </url>

</urlset>
