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  <url><loc>https://www.wealthwagon.net/terms-conditions</loc><lastmod>2026-11-03</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <!-- Hyderabad service pages (linked from the footer, not the main menu) -->
  <url><loc>https://www.wealthwagon.net/financial-planner-hyderabad</loc><lastmod>2026-11-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
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