<?xml version="1.0" encoding="UTF-8"?>
<!--
  SmartMoneyKumo — sitemap.xml
  Hreflang note: locale is selected client-side via localStorage; no
  per-locale URL convention exists yet. Each <url> therefore points
  EN and VI alternates at the same canonical URL. When per-locale
  URLs land, update the href values on the <xhtml:link> rows.
-->
<urlset
  xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
  xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <url>
    <loc>https://smartmoneykumo.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartmoneykumo.com/" />
    <xhtml:link rel="alternate" hreflang="vi" href="https://smartmoneykumo.com/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartmoneykumo.com/" />
  </url>

  <url>
    <loc>https://smartmoneykumo.com/privacy.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartmoneykumo.com/privacy.html" />
    <xhtml:link rel="alternate" hreflang="vi" href="https://smartmoneykumo.com/privacy.html" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartmoneykumo.com/privacy.html" />
  </url>

  <url>
    <loc>https://smartmoneykumo.com/terms.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartmoneykumo.com/terms.html" />
    <xhtml:link rel="alternate" hreflang="vi" href="https://smartmoneykumo.com/terms.html" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartmoneykumo.com/terms.html" />
  </url>

  <url>
    <loc>https://smartmoneykumo.com/risk-disclaimer.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://smartmoneykumo.com/risk-disclaimer.html" />
    <xhtml:link rel="alternate" hreflang="vi" href="https://smartmoneykumo.com/risk-disclaimer.html" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://smartmoneykumo.com/risk-disclaimer.html" />
  </url>

</urlset>
