Accessibility Statement

MONEYlume is committed to making its financial guides and tools accessible to everyone, including people with disabilities. We believe that clear, well-structured financial information should be available to all Americans regardless of how they access the web.

Our Accessibility Goal

We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA published by the World Wide Web Consortium (W3C). These guidelines explain how to make web content more accessible to people with disabilities including visual, auditory, cognitive, and motor impairments.

What We Do to Support Accessibility

• Semantic HTML: We use proper heading hierarchy (H1 → H2 → H3), landmark elements (<main>, <nav>, <footer>), and lists for structured content.
• Color contrast: Our text-to-background contrast ratios meet or exceed WCAG AA minimums (4.5:1 for normal text, 3:1 for large text).
• Keyboard navigation: All interactive elements (links, buttons, forms) are reachable and operable using a keyboard alone.
• Alt text: Images that convey meaning include descriptive alt attributes. Decorative images use empty alt attributes (alt="").
• No auto-playing media: We do not use videos, sounds, or animations that start automatically without user action.
• Readable fonts: We use high-contrast, legible fonts with a base size of 16px and sufficient line spacing.
• Descriptive links: Link text describes the destination or action rather than generic phrases like "click here."
• ARIA labels: Where standard HTML semantics are insufficient, we use ARIA attributes to provide context for assistive technologies.
• Responsive design: All pages reflow correctly at 320px width and up to 400% zoom without horizontal scrolling.

Known Limitations

While we work continuously to improve accessibility, some areas may not yet fully meet WCAG 2.1 AA standards:

• Third-party content: Ads served by Google AdSense and embedded tools from third parties may not meet our accessibility standards. We have no direct control over this content.
• Legacy articles: Some older articles may have images without alt text or tables without proper headers. We are working to audit and correct these.
• Complex data tables: Some comparison tables (e.g., loan rate comparisons) may not be fully navigable by screen readers. We are improving markup for these.

Compatibility

MONEYlume is designed to be compatible with the following assistive technologies:

• Screen readers: NVDA, JAWS, VoiceOver (macOS/iOS), TalkBack (Android)
• Keyboard-only navigation
• Browser zoom up to 400%
• High-contrast modes (Windows, macOS)

Technical Specifications

MONEYlume is built with:

• HTML5 with semantic elements
• CSS with prefers-color-scheme and prefers-reduced-motion media query support
• JavaScript that does not block keyboard navigation or screen reader access

Report an Accessibility Issue

If you encounter a barrier on MONEYlume that prevents you from accessing content, we want to know. Please contact us:

• Email: hello@moneylume.com
• Subject line: "Accessibility Issue — [brief description]"
• Include: the URL of the page, the issue you encountered, your browser and assistive technology (if known).

We aim to respond within 5 business days and to resolve confirmed issues within 30 days.

Formal Complaints

If you are not satisfied with our response, you may contact the U.S. Department of Justice regarding ADA Title III compliance, or the W3C Web Accessibility Initiative for guidance.