<?xml version="1.0" encoding="UTF-8"?>
<!--
  Canonical sitemap for finzo.pt. Every URL listed here MUST match the
  canonical URL emitted by frontend/src/lib/seo.ts (lowercase, no trailing
  slash except root, https://www.finzo.pt host). Do not list auth or
  client-area routes here — those are noindex.

  When you add a new public route, update three places together:
    1. frontend/src/App.tsx       (the route)
    2. frontend/src/lib/seo.ts    (PUBLIC_ROUTES entry)
    3. frontend/public/sitemap.xml (this file)
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://www.finzo.pt/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/simuladores/credito-habitacao</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/simuladores/salario-liquido</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/simuladores/amortizacao-antecipada</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/simuladores/imt</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/como-ajudamos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/sobre-nos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/informacao-legal</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/termos-servico</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.finzo.pt/privacy-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
