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  <url>
    <loc>https://pey.co.in</loc>
    <lastmod>2026-06-13</lastmod>
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    <priority>1.0</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>PeyCoIn — Split. Track. Never chase.</image:title>
      <image:caption>PeyCoIn is the calmest way to split group bills, track your personal budget, and always know who owes what — in any currency. Free, with no paywalls or forced ads.</image:caption>
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  <url>
    <loc>https://pey.co.in/about</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>About PeyCoIn — A calm fintech for shared lives.</image:title>
      <image:caption>PeyCoIn is a small team building the calmest way to split bills, track shared expenses, and settle balances in any currency. Founded 2025. Read the why.</image:caption>
    </image:image>
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  <url>
    <loc>https://pey.co.in/press</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Press &amp; brand — PeyCoIn</image:title>
      <image:caption>Press kit, brand assets, founder photos, and quick facts about PeyCoIn — the fintech app for shared lives.</image:caption>
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  <url>
    <loc>https://pey.co.in/careers</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Careers at PeyCoIn — Help build the calmest money app on the planet.</image:title>
      <image:caption>PeyCoIn is hiring founding engineers and designers. Early-stage roles with meaningful equity and real product ownership. Apply via our short form.</image:caption>
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  </url>
  <url>
    <loc>https://pey.co.in/contact</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Contact PeyCoIn — Talk to a human.</image:title>
      <image:caption>Reach PeyCoIn support, grievance redressal, press, careers, privacy/DPO, and security disclosure teams. Phone, email, and grievance officer details.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/g</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Join a PeyCoIn group — Split expenses and settle payments</image:title>
      <image:caption>PeyCoIn splits group bills in any currency, settles with friends, tracks personal and 1:1 expenses, and stays free of paywalls, spam, and messy math.</image:caption>
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  <url>
    <loc>https://pey.co.in/legal/terms</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Terms of Service — PeyCoIn</image:title>
      <image:caption>The PeyCoIn Terms of Service. Read the agreement that governs your use of the PeyCoIn app and pey.co.in. Compliant with the IT Act 2000 and Indian Contract Act.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/legal/privacy</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Privacy Policy — PeyCoIn</image:title>
      <image:caption>How PeyCoIn collects, uses, stores, and protects personal data, in line with the DPDP Act 2023 and the SPDI Rules. Your rights as a Data Principal.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/legal/dpdp</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>DPDP Notice — PeyCoIn · Data Principal rights</image:title>
      <image:caption>PeyCoIn’s notice under §5 of the Digital Personal Data Protection Act, 2023. Your rights as a Data Principal, how to exercise them, and DPO contact.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/legal/rbi-disclosures</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>RBI Disclosures — PeyCoIn · Payment partners and rails</image:title>
      <image:caption>PeyCoIn’s regulatory disclosures: our role, banking and Payment Aggregator partners, payment rails (UPI, IMPS, cards), KYC/AML, customer liability, Nodal Officer.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/legal/grievance-redressal</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Grievance Redressal — PeyCoIn · How to raise a complaint</image:title>
      <image:caption>Three-level grievance redressal at PeyCoIn. Customer support, Grievance Officer, Nodal Officer, and the RBI Ombudsman. Contact details and turnaround times.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/legal/refunds</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Cancellation &amp; Refunds — PeyCoIn</image:title>
      <image:caption>How cancellations and refunds work on PeyCoIn, including failed-transaction reversals (UPI/IMPS T+1, cards T+5) under the RBI’s customer compensation framework.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/legal/cookies</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.png</image:loc>
      <image:title>Cookies Notice — PeyCoIn</image:title>
      <image:caption>The cookies and similar technologies PeyCoIn uses on pey.co.in. No third-party advertising or cross-site tracking. Full inventory and your choices.</image:caption>
    </image:image>
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