<?xml version="1.0" encoding="UTF-8"?>
<!--
  Jiinue marketing site (www.jiinue.com) XML sitemap.

  Lists ONLY the public, indexable, canonical URLs: the marketing home, About,
  and the eight legal pages — each in both locales (en at the root, sw under
  /sw). Auth routes (/sign-in, /sign-up) and the 43 protected portal routes are
  `noindex: true` in routes.dart and are deliberately excluded.

  Each page is emitted once per locale with the full hreflang alternate set
  (en + sw + x-default→en), per Google's reciprocal-alternates requirement.
  `lastmod` tracks real content dates: legal pages use their LegalPage.
  updatedDate; home/About use the latest marketing-content date.

  SOURCE OF TRUTH: apps/neobank_web/lib/src/content/legal_content.dart
  (legalPages) + the marketing routes in routes.dart. Kept in sync by
  test/sitemap_test.dart — add a page here when you add a route, or the build
  goes red. `changefreq`/`priority` are intentionally omitted (Google ignores
  them).
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Home -->
  <url>
    <loc>https://www.jiinue.com/</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/"/>
  </url>

  <!-- About -->
  <url>
    <loc>https://www.jiinue.com/about-us</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/about-us"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/about-us"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/about-us"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/about-us</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/about-us"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/about-us"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/about-us"/>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://www.jiinue.com/privacy-policy</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/privacy-policy"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/privacy-policy</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/privacy-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/privacy-policy"/>
  </url>

  <!-- Terms and Conditions -->
  <url>
    <loc>https://www.jiinue.com/terms-and-conditions</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/terms-and-conditions"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/terms-and-conditions"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/terms-and-conditions"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/terms-and-conditions</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/terms-and-conditions"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/terms-and-conditions"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/terms-and-conditions"/>
  </url>

  <!-- Cookie Policy -->
  <url>
    <loc>https://www.jiinue.com/cookie-policy</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/cookie-policy"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/cookie-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/cookie-policy"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/cookie-policy</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/cookie-policy"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/cookie-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/cookie-policy"/>
  </url>

  <!-- Refund Policy -->
  <url>
    <loc>https://www.jiinue.com/refund-policy</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/refund-policy"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/refund-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/refund-policy"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/refund-policy</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/refund-policy"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/refund-policy"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/refund-policy"/>
  </url>

  <!-- GDPR Compliance -->
  <url>
    <loc>https://www.jiinue.com/gdpr-compliance</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/gdpr-compliance"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/gdpr-compliance"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/gdpr-compliance"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/gdpr-compliance</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/gdpr-compliance"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/gdpr-compliance"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/gdpr-compliance"/>
  </url>

  <!-- SACCO Governance -->
  <url>
    <loc>https://www.jiinue.com/sacco-governance</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/sacco-governance"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/sacco-governance"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/sacco-governance"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/sacco-governance</loc>
    <lastmod>2026-05-01</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/sacco-governance"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/sacco-governance"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/sacco-governance"/>
  </url>

  <!-- Support -->
  <url>
    <loc>https://www.jiinue.com/support</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/support"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/support"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/support"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/support</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/support"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/support"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/support"/>
  </url>

  <!-- Account Deletion -->
  <url>
    <loc>https://www.jiinue.com/account-deletion</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/account-deletion"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/account-deletion"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/account-deletion"/>
  </url>
  <url>
    <loc>https://www.jiinue.com/sw/account-deletion</loc>
    <lastmod>2026-10-09</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.jiinue.com/account-deletion"/>
    <xhtml:link rel="alternate" hreflang="sw" href="https://www.jiinue.com/sw/account-deletion"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.jiinue.com/account-deletion"/>
  </url>

</urlset>
