We believe financial wellness and mental well-being tools should be usable by everyone, regardless of ability.
Effective Date
January 2025
We believe financial wellness and mental well-being tools should be usable by everyone, regardless of ability.
WCAG 2.1 AAInclusive DesignUniversal Access
1. Our Commitment
At Ovr Finance, a product of JRM Creative Ventures LLC, we are committed to making our website, mobile applications (iOS and Android), and all digital experiences accessible to everyone, including people with disabilities.
1.1 Our Vision
We believe that:
Financial wellness is a right, not a privilege
Everyone deserves access to tools that help manage debt and reduce financial stress
Mental well-being support should be available to all, regardless of ability
Technology should empower, not exclude
1.2 Who We Serve
Our commitment extends to all users, including those with:
Visual disabilities (blindness, low vision, color blindness)
Hearing disabilities (deafness, hard of hearing)
Motor disabilities (limited dexterity, inability to use mouse)
Ovr Finance mobile app - iOS and Android applications
All digital communications - Emails, notifications, support materials
Customer support - All channels (email, chat, phone if available)
2. Accessibility Standards
2.1 Web Content Accessibility Guidelines (WCAG)
We are actively working to align our digital products with Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, the internationally recognized standard for web accessibility published by the World Wide Web Consortium (W3C).
WCAG 2.1 Level AA is the standard required by:
Americans with Disabilities Act (ADA) in the United States
Section 508 of the Rehabilitation Act
European Accessibility Act
Many international accessibility laws
2.2 WCAG Principles
Our goal is to provide a user experience that is:
Perceivable
Information and user interface components are presented in ways users can perceive.
Operable
Interface components and navigation are usable with a variety of input methods.
Understandable
Information and operation of the user interface are clear and predictable.
Robust
Content is compatible with current and future user tools, including assistive technologies.
2.3 Additional Standards
We also reference:
WCAG 2.2 - Latest WCAG version (where feasible)
ARIA Authoring Practices Guide - For complex interactive components
Apple Human Interface Guidelines - Accessibility - For iOS app
Android Accessibility Guidelines - For Android app
Mobile Accessibility Guidelines - Mobile-specific considerations
3. Measures We Take
3.1 Design Practices
Color Contrast
All text meets WCAG AA contrast ratios (4.5:1 for normal text, 3:1 for large text)
Important information never conveyed by color alone
Color blind-friendly palettes and high contrast mode support
Typography
Clear, readable fonts (minimum 16px for body text)
Adjustable text sizes (support browser zoom up to 200%)
Adequate line spacing and paragraph breaks
Focus Indicators
Visible focus states for all interactive elements
Logical tab order throughout interface
No keyboard traps and skip navigation links provided
3.2 Development Practices
Semantic HTML with proper heading structure and landmark regions
ARIA labels for dynamic content and custom components
All functionality accessible via keyboard with logical tab order
Descriptive alt text for meaningful images
Labels associated with form fields with clear error messages
Captions for video content and transcripts for audio
No content flashing more than 3 times per second
3.3 Testing and Quality Assurance
Automated Testing
Automated accessibility scans with axe DevTools and WAVE
Manual Testing
Keyboard-only and screen reader testing (NVDA, JAWS, VoiceOver)
Third-Party Audits
Periodic external audits and user testing with disability community
4. Assistive Technologies & Supported Platforms
4.1 Screen Readers
Desktop
NVDA (NonVisual Desktop Access) - Windows
JAWS (Job Access With Speech) - Windows
VoiceOver - macOS (Built-in)
ORCA - Linux
Narrator - Windows (Built-in)
Mobile
VoiceOver - iOS (Built-in)
TalkBack - Android (Built-in)
4.2 Keyboard Navigation
Key
Action
Tab
Navigate forward through interactive elements
Shift + Tab
Navigate backward
Enter/Space
Activate buttons and links
Arrow keys
Navigate within components
Escape
Close modals and dropdowns
4.3 Supported Browsers
We aim for compatibility with current and previous versions of:
ChromeSafariFirefoxEdgeSamsung Internet
4.4 Display Customization
High Contrast
Support for Windows High Contrast and macOS Increase Contrast
Dark Mode
Native dark mode with automatic theme switching
Reduced Motion
Respect prefers-reduced-motion setting
5. Known Limitations
While we strive for a fully accessible experience, we acknowledge the following areas that are still being improved:
5.1 Interactive Visualizations
Current Limitations:
Some interactive debt payoff charts may not have complete text descriptions
Financial trend graphs may be challenging to navigate with screen readers
Our Plan: Adding comprehensive data tables as alternatives and implementing ARIA live regions
5.2 Complex Financial Calculators
Current Limitations:
Some multi-step calculators may require additional keyboard navigation improvements
Our Plan: Simplifying calculator interfaces and adding skip navigation within multi-step processes
5.3 Third-Party Integrations
Current Limitations:
Payment processing interfaces (Stripe) and bank connection flow (Plaid) accessibility is managed by those providers
Our Plan: Working with third-party providers to improve accessibility and providing alternative methods
5.4 PDF Documents
Current Limitations:
Some downloadable PDFs (receipts, reports) may not be fully tagged for accessibility
Our Plan: Ensuring all PDFs are properly tagged and providing HTML alternatives where possible
6. Third-Party Content
6.1 Third-Party Services
Our website and app integrate with third parties that we do not fully control:
Financial Services
Plaid - Bank account linking
Stripe - Payment processing
Platform Services
Apple App Store - iOS distribution
Google Play - Android distribution
Firebase - Authentication
6.2 Our Commitment to Partners
When selecting third-party providers, we:
Prioritize vendors with strong accessibility commitments
Review their accessibility statements and compliance
Request accessibility roadmaps and timelines
Provide feedback on accessibility issues
Consider accessibility in procurement decisions
7. Mobile App Accessibility
7.1 iOS App Features
VoiceOver support with all controls labeled
Dynamic Type - text scales with system settings
Voice Control and Switch Control compatible
Support for Bold Text and Increase Contrast
Reduce Motion setting respected
7.2 Android App Features
TalkBack support with content descriptions
Font scaling up to 200%
Voice Access and Switch Access compatible
High contrast and color correction support
Remove animations setting respected
8. Contact Us for Assistance
If you experience difficulty accessing any content, feature, or functionality on our website or app, or if you need content in an alternative format, please reach out—we want to help.
Response Time: We aim to respond within 5 business days
8.3 What to Include in Your Request
1Where did you encounter the issue? (URL or specific screen/page name)
2What technology are you using? (Browser, OS, assistive technology)
3What happened? (Brief description of the problem)
4What would help? (Alternative format needed or specific assistance)
9. Feedback and Complaints
9.1 We Welcome Feedback
Your feedback helps us improve. We want to hear about accessibility barriers, suggestions for improvement, features that work well, and areas where we can do better.
9.2 Formal Complaints
If you believe we have not adequately addressed an accessibility concern:
1Contact: accessibility@ovrfinance.io
2Mark as "Accessibility Complaint"
3We will acknowledge within 3 business days
4Investigate and respond within 10 business days
5Escalate to senior management if needed
External Resources
If you remain unsatisfied, you may file a complaint with:
U.S. Department of Justice - Civil Rights Division - 1-800-514-0301 (voice) / 1-800-514-0383 (TTY)
Your State Attorney General - Consumer protection division
Private Legal Counsel - You have the right to consult an attorney
10. Legal Compliance
10.1 United States
Americans with Disabilities Act (ADA) - Title III compliance
Section 508 of the Rehabilitation Act
California Unruh Civil Rights Act
New York Human Rights Law
10.2 International
European Union
European Accessibility Act (EAA), Web Accessibility Directive
United Kingdom
Equality Act 2010, Public Sector Bodies Accessibility Regulations
Canada
Accessible Canada Act (ACA), AODA
Australia
Disability Discrimination Act 1992
Voluntary Compliance: While we may not be legally required to meet all accessibility standards in all jurisdictions, we voluntarily commit to WCAG 2.1 Level AA as our baseline because it's the right thing to do.
11. Ongoing Improvements
11.1 Our Accessibility Roadmap
Short-Term (Next 3 Months)
Complete screen reader testing of all core features
Add detailed alt text to all charts and visualizations
Implement comprehensive keyboard shortcuts
Medium-Term (3-6 Months)
Conduct user testing with disability community
Enhance mobile app accessibility features
Add voice navigation support
Long-Term (6-12 Months)
Achieve WCAG 2.2 Level AA compliance
Implement advanced personalization features
Establish accessibility advisory board
11.4 User Involvement
We involve people with disabilities in user research and testing, feature development, design reviews, and accessibility audits.
National Federation of the Blind (NFB)American Foundation for the Blind (AFB)American Council of the Blind (ACB)Disability Rights Education & Defense Fund (DREDF)World Institute on Disability
Statement Summary
Ovr Finance is committed to digital accessibility for all users.