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  <!-- FreeAML URLs (Primary Brand) -->
  <url><loc>https://freeaml.com.au/</loc><lastmod>2026-03-30</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/aml-check</loc><lastmod>2026-03-29</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/kyc-check</loc><lastmod>2026-03-29</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/program</loc><lastmod>2026-03-29</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/risk-assessment</loc><lastmod>2026-03-29</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/compliance</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/reports</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/training</loc><lastmod>2026-03-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://freeaml.com.au/pro</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://freeaml.com.au/pricing</loc><lastmod>2026-03-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  
  <!-- FreeAML Blog -->
  <url><loc>https://freeaml.com.au/blog</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/bank-account-verification-real-estate-austrac</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/how-to-comply-austrac-tranche-2-requirements</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/austrac-customer-due-diligence-checklist</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/free-aml-compliance-tools-australia</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/how-to-perform-beneficial-ownership-checks-australia</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/austrac-enrollment-form-guide</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/austrac-enrollment-checklist</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/comply-tranche-2-free-real-estate</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/comply-tranche-2-free-accountants</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/comply-tranche-2-free-lawyers</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/comply-tranche-2-free-conveyancers</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/comply-tranche-2-free-precious-metals</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/comply-tranche-2-free-financial-services</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://freeaml.com.au/blog/austrac-enrollment-guide-2026</loc><lastmod>2026-03-27</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/aml-ctf-rules-2025-plain-english</loc><lastmod>2026-03-27</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/how-to-talk-about-aml-with-clients</loc><lastmod>2026-03-27</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/aml-risk-assessment-quick-start-guide</loc><lastmod>2026-03-27</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/aml-check-australian-businesses</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/best-aml-software-australia</loc><lastmod>2026-03-23</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/freeaml-vs-easyaml</loc><lastmod>2026-03-23</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/free-aml-check-australia</loc><lastmod>2026-03-23</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/free-tranche-2-compliance</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/aml-compliance-cost-australia</loc><lastmod>2026-03-23</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://freeaml.com.au/blog/what-is-tranche-2-aml-ctf</loc><lastmod>2026-03-23</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://freeaml.com.au/blog/kyc-check-australia-guide</loc><lastmod>2026-03-23</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  
  <!-- InstantAML URLs (Secondary Brand - same content) -->
  <url><loc>https://instantaml.com.au/</loc><lastmod>2026-03-30</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://instantaml.com.au/blog/bank-account-verification-real-estate-austrac</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/comply-tranche-2-free-real-estate</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/comply-tranche-2-free-accountants</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/comply-tranche-2-free-lawyers</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/comply-tranche-2-free-conveyancers</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/comply-tranche-2-free-precious-metals</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/comply-tranche-2-free-financial-services</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/austrac-enrollment-form-guide</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/austrac-enrollment-checklist</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/how-to-comply-austrac-tranche-2-requirements</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/austrac-customer-due-diligence-checklist</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/free-aml-compliance-tools-australia</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://instantaml.com.au/blog/how-to-perform-beneficial-ownership-checks-australia</loc><lastmod>2026-03-30</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
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