<?xml version="1.0" encoding="UTF-8"?>
<!--
  Sitemap for kfinanc3.com — per-language prerendered public pages.

  9 URLs = 3 languages (es/en/pt) × 3 pages (home / privacy / terms).
  Each <url> carries a COMPLETE, RECIPROCAL set of xhtml:link hreflang
  alternates: every variant lists ALL THREE language siblings PLUS the
  page's own self-reference PLUS x-default. Google requires the set to be
  symmetric (if A points to B, B must point back to A) or it ignores the
  cluster. x-default points at the Spanish variant — the LATAM-first
  default and the language a bare "/" redirects to.

  Only public, prerendered, indexable pages are listed. /app, /:lang/auth
  and the ghost aliases (/pricing, /login, …) are intentionally absent:
  they're behind auth, client-side-only, or 301 stubs.
-->
<urlset
    xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
    xmlns:xhtml="http://www.w3.org/1999/xhtml">

    <!-- ── Home ──────────────────────────────────────────────────── -->
    <url>
        <loc>https://kfinanc3.com/es</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es" />
    </url>
    <url>
        <loc>https://kfinanc3.com/en</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es" />
    </url>
    <url>
        <loc>https://kfinanc3.com/pt</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es" />
    </url>

    <!-- ── Privacy ───────────────────────────────────────────────────
         Referenced by Google's OAuth consent screen, so it must stay a
         live, indexable URL. Lower priority — not a primary entry. -->
    <url>
        <loc>https://kfinanc3.com/es/privacy</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es/privacy" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en/privacy" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt/privacy" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es/privacy" />
    </url>
    <url>
        <loc>https://kfinanc3.com/en/privacy</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es/privacy" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en/privacy" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt/privacy" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es/privacy" />
    </url>
    <url>
        <loc>https://kfinanc3.com/pt/privacy</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es/privacy" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en/privacy" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt/privacy" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es/privacy" />
    </url>

    <!-- ── Terms ─────────────────────────────────────────────────────
         Also referenced by the OAuth consent screen. -->
    <url>
        <loc>https://kfinanc3.com/es/terms</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es/terms" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en/terms" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt/terms" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es/terms" />
    </url>
    <url>
        <loc>https://kfinanc3.com/en/terms</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es/terms" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en/terms" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt/terms" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es/terms" />
    </url>
    <url>
        <loc>https://kfinanc3.com/pt/terms</loc>
        <lastmod>2026-06-22</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
        <xhtml:link rel="alternate" hreflang="es" href="https://kfinanc3.com/es/terms" />
        <xhtml:link rel="alternate" hreflang="en" href="https://kfinanc3.com/en/terms" />
        <xhtml:link rel="alternate" hreflang="pt" href="https://kfinanc3.com/pt/terms" />
        <xhtml:link rel="alternate" hreflang="x-default" href="https://kfinanc3.com/es/terms" />
    </url>

</urlset>
