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<!-- the legal pages (terms, privacy, refund-cancellation) are reachable by link from every page but are intentionally not listed here: they are policy pages, not search landing pages (terms and refund-cancellation carry noindex; privacy carries no robots tag since 2026-10-06, D-138). checkout.html and onboarding.html are never listed either. -->
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  <url><loc>https://ownerfreed.com/contact.html</loc><xhtml:link rel="alternate" hreflang="en" href="https://ownerfreed.com/contact.html"/><xhtml:link rel="alternate" hreflang="ko" href="https://ownerfreed.com/ko/contact.html"/></url>
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