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<!--
  Every URL here uses the www form, matching the canonical tags and the 301
  from the apex. Listing a URL that redirects wastes the crawl and muddies
  which address is authoritative, which is the whole thing this file exists to
  make unambiguous.

  Priority is relative within this site only; it carries no weight between
  sites. The ordering reflects what a stranger arriving from a search actually
  needs: the services and fees they are shopping for, the debtor page for
  someone holding a letter, then the legal pages nobody arrives looking for.
-->
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  <url>
    <loc>https://www.cia.co.nz/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/services/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/our-fees/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- A debtor holding a letter is searching for this page by name, and it is
       the only route we offer them. It ranks with the commercial pages. -->
  <url>
    <loc>https://www.cia.co.nz/received-a-letter/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/load-a-debt/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/commission-calculator/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/about-us/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/contact-us/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/faqs/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/disputes-tribunal-orders/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/tenancy-tribunal-orders/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/terms-of-engagement/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://www.cia.co.nz/privacy-statement/</loc>
    <lastmod>2026-08-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
