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  <url>
    <loc>https://pey.co.in</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Pey — Expenses, settled. The fintech app for shared lives in India.</image:title>
      <image:caption>Pey is the calmest way to split bills with friends, track shared expenses, and settle in two taps over UPI. The fintech app for shared lives in India. Built in Bengaluru.</image:caption>
    </image:image>
    <xhtml:link rel="alternate" hreflang="en-IN" href="https://pey.co.in"/>
    <xhtml:link rel="alternate" hreflang="hi-IN" href="https://pey.co.in"/>
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  <url>
    <loc>https://pey.co.in/about</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>About Pey — A calm fintech for shared lives, built in Bengaluru.</image:title>
      <image:caption>Pey is a small Bengaluru team building the calmest way to split bills, track shared expenses, and settle on UPI in India. Founded 2025. Read the why.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/press</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Press &amp; brand — Pey</image:title>
      <image:caption>Press kit, brand assets, founder photos, and quick facts about Pey — the fintech app for shared lives in India.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/careers</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Careers at Pey — Help build the calmest money app in India.</image:title>
      <image:caption>Pey is hiring founding engineers and designers in Bengaluru. Early-stage roles with meaningful equity and real product ownership. Apply via our short form.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pey.co.in/contact</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Contact Pey — Talk to a human.</image:title>
      <image:caption>Reach Pey 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/legal/terms</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Terms of Service — Pey</image:title>
      <image:caption>The Pey Terms of Service. Read the agreement that governs your use of the Pey 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>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Privacy Policy — Pey</image:title>
      <image:caption>How Pey 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>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>DPDP Notice — Pey · Data Principal rights</image:title>
      <image:caption>Pey’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>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>RBI Disclosures — Pey · Payment partners and rails</image:title>
      <image:caption>Pey’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>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Grievance Redressal — Pey · How to raise a complaint</image:title>
      <image:caption>Three-level grievance redressal at Pey. 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>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Cancellation &amp; Refunds — Pey</image:title>
      <image:caption>How cancellations and refunds work on Pey, 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>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <image:image>
      <image:loc>https://pey.co.in/og.svg</image:loc>
      <image:title>Cookies Notice — Pey</image:title>
      <image:caption>The cookies and similar technologies Pey uses on pey.co.in. No third-party advertising or cross-site tracking. Full inventory and your choices.</image:caption>
    </image:image>
  </url>
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