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      <image:loc>https://www.termsandwhat.com/og-image.webp</image:loc>
      <image:title>Terms&amp;What -- Attorney-quality legal documents, just $5</image:title>
      <image:caption>AI-drafted, 60-second delivery, 50-state compliant.</image:caption>
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      <image:title>How Terms&amp;What works</image:title>
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    <loc>https://www.termsandwhat.com/pricing</loc>
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      <image:title>Terms&amp;What pricing -- $5 per document</image:title>
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      <image:loc>https://www.termsandwhat.com/hero-about-main.webp</image:loc>
      <image:title>About Terms&amp;What</image:title>
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    <loc>https://www.termsandwhat.com/contact</loc>
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      <image:title>Meet Terms&amp;What</image:title>
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  <url>
    <loc>https://www.termsandwhat.com/blog/safe-vs-convertible-note-2026</loc>
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    <image:image>
      <image:loc>https://www.termsandwhat.com/blog-safe-vs-convertible-note-hero.webp</image:loc>
      <image:title>SAFE vs Convertible Note in 2026: which one should you actually sign?</image:title>
      <image:caption>Founder-friendly comparison of SAFEs and Convertible Notes -- valuation caps, discounts, MFN, pro-rata, and dilution math.</image:caption>
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    <priority>0.9</priority>
    <image:image>
      <image:loc>https://www.termsandwhat.com/blog-privacy-policy-hero.webp</image:loc>
      <image:title>How to write a Privacy Policy for your website in 2026</image:title>
      <image:caption>Plain-English guide to writing a GDPR-, CCPA-, and CPRA-compliant Privacy Policy for founders, freelancers, and small business owners.</image:caption>
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    <loc>https://www.termsandwhat.com/blog/independent-contractor-agreement-1099-vs-w2-2026</loc>
    <lastmod>2026-09-23</lastmod>
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    <priority>0.9</priority>
    <image:image>
      <image:loc>https://www.termsandwhat.com/blog-contractor-agreement-hero.webp</image:loc>
      <image:title>Independent Contractor Agreement in 2026: 1099 vs W-2</image:title>
      <image:caption>Plain-English guide to hiring contractors -- IRS rules, ABC test, misclassification traps, and the eight clauses every agreement must have.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.termsandwhat.com/blog/llc-operating-agreement-guide-2026</loc>
    <lastmod>2026-09-26</lastmod>
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    <priority>0.9</priority>
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      <image:loc>https://www.termsandwhat.com/blog-llc-operating-agreement-hero.webp</image:loc>
      <image:title>LLC Operating Agreement in 2026: what it does and how to write one</image:title>
      <image:caption>Plain-English guide to Operating Agreements for single-member and multi-member LLCs -- the nine sections every agreement needs and the clauses that quietly break liability protection.</image:caption>
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  <url>
    <loc>https://www.termsandwhat.com/blog/nda-non-disclosure-agreement-guide-2026</loc>
    <lastmod>2026-09-29</lastmod>
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    <priority>0.9</priority>
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      <image:loc>https://www.termsandwhat.com/blog-nda-guide-hero.webp</image:loc>
      <image:title>Non-Disclosure Agreement (NDA) in 2026: how to write one that holds up</image:title>
      <image:caption>Plain-English guide to NDAs -- one-way vs mutual, the seven clauses that make one enforceable, the two that quietly make it worthless, and the Speak Out Act.</image:caption>
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  <url>
    <loc>https://www.termsandwhat.com/blog/residential-lease-agreement-guide-2026</loc>
    <lastmod>2026-10-01</lastmod>
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    <priority>0.9</priority>
    <image:image>
      <image:loc>https://www.termsandwhat.com/blog-residential-lease-hero.webp</image:loc>
      <image:title>Residential Lease Agreement in 2026: a plain-English guide for landlords</image:title>
      <image:caption>The twelve clauses every lease needs, illegal terms that void a lease, deposit and rent-cap rules, and required disclosures.</image:caption>
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    <loc>https://www.termsandwhat.com/terms</loc>
    <lastmod>2026-09-21</lastmod>
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  <url>
    <loc>https://www.termsandwhat.com/privacy</loc>
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  <url>
    <loc>https://www.termsandwhat.com/disclaimer</loc>
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    <loc>https://www.termsandwhat.com/?doc=nda</loc>
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    <priority>0.85</priority>
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      <image:title>Non-Disclosure Agreement (NDA) template</image:title>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=safe</loc>
    <lastmod>2026-09-21</lastmod>
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      <image:loc>https://www.termsandwhat.com/doc-art-safe.webp</image:loc>
      <image:title>SAFE (Simple Agreement for Future Equity) template</image:title>
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    <loc>https://www.termsandwhat.com/?doc=operating-agreement</loc>
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      <image:loc>https://www.termsandwhat.com/doc-art-operating-agreement.webp</image:loc>
      <image:title>LLC Operating Agreement template</image:title>
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    <loc>https://www.termsandwhat.com/?doc=founders-agreement</loc>
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      <image:title>Privacy Policy template</image:title>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=terms-of-service</loc>
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    <image:image>
      <image:loc>https://www.termsandwhat.com/doc-art-terms-of-service.webp</image:loc>
      <image:title>Terms of Service template</image:title>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=employment-agreement</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.8</priority>
    <image:image>
      <image:loc>https://www.termsandwhat.com/doc-art-employment-agreement.webp</image:loc>
      <image:title>Employment Agreement template</image:title>
    </image:image>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=contractor-agreement</loc>
    <lastmod>2026-09-21</lastmod>
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    <image:image>
      <image:loc>https://www.termsandwhat.com/doc-art-contractor-agreement.webp</image:loc>
      <image:title>Independent Contractor Agreement template</image:title>
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    <loc>https://www.termsandwhat.com/?doc=consulting-agreement</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=hipaa-notice</loc>
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  <url>
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    <loc>https://www.termsandwhat.com/?doc=eula</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=dmca</loc>
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    <loc>https://www.termsandwhat.com/?doc=aup</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=api-terms</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=saas-subscription</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.75</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=refund-policy</loc>
    <lastmod>2026-09-21</lastmod>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=website-terms</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=ip-assignment</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.75</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=non-compete</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=convertible-note</loc>
    <lastmod>2026-09-21</lastmod>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=residential-lease</loc>
    <lastmod>2026-09-21</lastmod>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=commercial-lease-agreement</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=prenuptial-agreement</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=partnership-agreement</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=shareholders-agreement</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=stock-purchase-agreement</loc>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=power-of-attorney</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=loan-agreement</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=promissory-note</loc>
    <lastmod>2026-09-21</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=gdpr-notice</loc>
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  <url>
    <loc>https://www.termsandwhat.com/?doc=ccpa-notice</loc>
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