<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://www.vestroapp.com/</loc>
    <lastmod>2026-10-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <!-- /signup.html is the waitlist page the hero, the nav and the footer all
       point at. It is a real page with a real URL, so it belongs here; it sits
       below the homepage because it is a single conversion step, not a front
       door. lastmod is the date it last changed. -->
  <url>
    <loc>https://www.vestroapp.com/signup.html</loc>
    <lastmod>2026-10-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- The legal pages are generated from vestro/legal/*.md by
       tools/build-legal.py and published here so a visitor can read what they
       are consenting to before they consent. They are real pages, so they are in
       the sitemap; they are not marketing pages, so they are not priority 1.0.
       lastmod is the date each last changed on this site: all three
       regenerated at v1.0.9 / effective 2026-10-25. -->
  <url>
    <loc>https://www.vestroapp.com/privacy</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/terms</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/what-vestro-is-not</loc>
    <lastmod>2026-10-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <!-- learn:start — generated by tools/build-learn.py; edit content/learn/, not this block -->
  <url>
    <loc>https://www.vestroapp.com/learn</loc>
    <lastmod>2026-10-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/investing-for-beginners-nz</loc>
    <lastmod>2026-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/is-my-portfolio-diversified</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/how-to-read-your-portfolio</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/what-does-my-sharesies-portfolio-own</loc>
    <lastmod>2026-10-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/is-now-a-good-time-to-start-investing</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/pir-pie-fif-tax-explained</loc>
    <lastmod>2026-10-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/index-funds-vs-etfs-vs-managed-funds</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.vestroapp.com/learn/what-investing-fees-cost-you</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- learn:end -->
</urlset>
