<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Página Inicial -->
  <url>
    <loc>https://financeiraapp.com.br/</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Hub de Calculadoras -->
  <url>
    <loc>https://financeiraapp.com.br/calculadoras.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/calculadoras.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/calculadoras.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Calculadora de Financiamento SAC vs PRICE -->
  <url>
    <loc>https://financeiraapp.com.br/calculadora-financiamento.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/calculadora-financiamento.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/calculadora-financiamento.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Calculadora de Juros Compostos -->
  <url>
    <loc>https://financeiraapp.com.br/calculadora-juros-compostos.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/calculadora-juros-compostos.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/calculadora-juros-compostos.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Calculadora de Reserva de Emergência -->
  <url>
    <loc>https://financeiraapp.com.br/calculadora-reserva-emergencia.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/calculadora-reserva-emergencia.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/calculadora-reserva-emergencia.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Calculadora Comprar vs Alugar -->
  <url>
    <loc>https://financeiraapp.com.br/calculadora-comprar-alugar.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/calculadora-comprar-alugar.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/calculadora-comprar-alugar.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Lei do Superendividamento & Mínimo Existencial -->
  <url>
    <loc>https://financeiraapp.com.br/superendividamento.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/superendividamento.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/superendividamento.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Central de Leis & Direitos do Consumidor -->
  <url>
    <loc>https://financeiraapp.com.br/leis-e-direitos.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/leis-e-direitos.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/leis-e-direitos.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Guia Prático: Tarifa Bancária Zero (Res. 3.919 BACEN) -->
  <url>
    <loc>https://financeiraapp.com.br/guia-tarifa-zero.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/guia-tarifa-zero.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/guia-tarifa-zero.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Guia Prático: Cobrança Indevida & Devolução em Dobro (Art. 42 CDC) -->
  <url>
    <loc>https://financeiraapp.com.br/guia-cobranca-indevida.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/guia-cobranca-indevida.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/guia-cobranca-indevida.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Guia Prático: Limite de Desconto no Salário & Súmula 603 STJ -->
  <url>
    <loc>https://financeiraapp.com.br/guia-desconto-salario-margem.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/guia-desconto-salario-margem.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/guia-desconto-salario-margem.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Sobre Nós & Metodologia -->
  <url>
    <loc>https://financeiraapp.com.br/sobre-nos.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/sobre-nos.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/sobre-nos.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Termos de Uso e Privacidade (LGPD) -->
  <url>
    <loc>https://financeiraapp.com.br/termos-e-privacidade.html</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://financeiraapp.com.br/termos-e-privacidade.html"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://suafinanceiradigital.com.br/termos-e-privacidade.html"/>
    <lastmod>2026-10-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

</urlset>
