<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core marketing pages -->
  <url>
    <loc>https://qistiq.com/</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://qistiq.com/how-it-works</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://qistiq.com/features</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://qistiq.com/faq</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://qistiq.com/about</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://qistiq.com/contact</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal and compliance pages -->
  <url>
    <loc>https://qistiq.com/terms</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://qistiq.com/privacy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://qistiq.com/fees-disclosures</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://qistiq.com/cash-advance-agreement</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://qistiq.com/payment-authorization-agreement</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://qistiq.com/collection-policy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://qistiq.com/late-payment-policy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://qistiq.com/responsible-borrowing</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://qistiq.com/electronic-signature-consent</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://qistiq.com/aml-kyc-policy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://qistiq.com/cookie-policy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://qistiq.com/complaint-dispute-resolution</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://qistiq.com/acceptable-use-policy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://qistiq.com/data-retention-policy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://qistiq.com/account-deletion-policy</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://qistiq.com/licensing-compliance</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
