Conformity status, standard applied and commitment

Sodefina is committed to making its Site accessible to as many people as possible, including people with disabilities, in accordance with the requirements of the applicable accessibility framework (EN 301 549) and the international WCAG (Web Content Accessibility Guidelines) standards.

The sodefina.eu site is partially compliant with the European standard EN 301 549 (transposed in Portugal by Decreto-Lei No. 83/2018). Partial compliance means that some parts of the content are not fully accessible, in the cases below.

Framework applied: EN 301 549 (European accessibility standard, compliant with the WCAG 2.1 level AA standard), the international reference framework for digital accessibility, covering the criteria of perceivability, operability, understandability and robustness of content. Target level: AA.

Test results and audits

The EN 301 549 compliance audit carried out on a sample of the site's pages produced the following results:

• Number of applicable criteria: 106
• Number of compliant criteria: 81
• Overall compliance rate: 76.4%

Some criteria, notably relating to the structure of certain complex interactive components, are subject to an ongoing improvement plan, detailed further below.

Non-conformities identified

The main non-compliances identified are as follows:

• Criterion 1.1: Some decorative images in the product sections do not have an empty alt attribute (alt="")
• Criterion 3.2: The contrast of some light teal text on a white background is insufficient for visually impaired users
• Criterion 4.1: The presentation videos do not yet have synchronised subtitles
• Criterion 10.7: Keyboard focus is not always visible on certain interactive elements of the simulator
• Criterion 11.1: Some form fields lack explicit labels
• Advanced interactive components: certain language selectors and simulation modals may present usability difficulties with certain screen readers
• Downloadable documents: certain documents made available for download (standard contracts, information notices) may not be fully accessible to screen readers

Measures taken to ensure accessibility

Beyond correcting the identified non-conformities, several measures are already in place:

• Keyboard navigation: all essential features of the Site (navigation, forms, credit simulator) are designed to be usable exclusively with a keyboard, without requiring the use of a mouse, in order to guarantee access for people who cannot use a pointing device.
• Screen reader compatibility: we work continuously to improve the compatibility of our Site with the main screen readers (NVDA, JAWS, VoiceOver), in particular through the appropriate use of ARIA attributes and a consistent semantic structure of the pages.
• Colour contrast: we ensure that the colour contrast between text and its background complies with the minimum ratios recommended by the WCAG standards, in order to guarantee the readability of our content for people with visual impairments or colour blindness.
• Text resizing: the content of our Site is designed to remain legible and functional when the text size is enlarged up to 200% via browser settings, without any loss of content or functionality.
• Alternative text for images: images conveying information on our Site are accompanied by descriptive alternative text, allowing screen reader users to access the information conveyed by these images.
• Accessibility of forms: our forms (credit application, contact, login) are designed with explicit labels associated with each field, clear and understandable error messages, and a structure allowing consistent navigation with a keyboard and a screen reader.
• Credit simulator and client area: the credit simulator, as a central feature of the Site, receives particular attention in terms of accessibility, so that all our visitors can simulate their financing project under equivalent conditions; our client area, accessible after authentication, benefits from the same accessibility efforts as the public pages, guaranteeing all our clients equivalent access to the management of their contract.

Accessibility testing methodology

The accessibility tests carried out on our Site combine automated checks (code analysis tools) and manual checks carried out by digital accessibility experts, including keyboard navigation tests and tests using screen readers.

Remediation plan

Sodefina S.A. has committed to an accessibility improvement plan aimed at reaching an EN 301 549 compliance rate of 80% by December 2026. The priority actions identified are:

• Correction of missing alt attributes on all images (Q3 2026)
• Revision of the colour palette to improve contrasts (Q3 2026)
• Addition of subtitles to all videos (Q4 2026)
• Improvement of keyboard navigation in the simulator (Q3 2026)
• Full audit by an independent third-party body (Q4 2026)

Sodefina is committed to a process of continuous improvement of its Site's accessibility, with regular compliance reviews and prioritisation of corrections according to their impact on the autonomy of the users concerned. Our development and content teams also receive regular awareness training on digital accessibility issues, in order to integrate these requirements from the design stage of any new feature of the Site.

Scope of this accessibility statement

This accessibility statement covers the entire sodefina.eu Site, in its various language versions, as well as the client area accessible after authentication, with the exception of the content explicitly excluded as mentioned on this page.

Content not subject to the accessibility obligation

In accordance with Article 3 of Decreto-Lei No. 83/2018, certain content is exempt from accessibility obligations: office files (PDF) published before 23 September 2018, third-party content over which Sodefina has no editorial control and which is neither funded nor developed by Sodefina, and content archives more than 3 years old.

Feedback mechanism, reporting and remedies

If you encounter difficulties accessing content or a service on the sodefina.eu site, you can contact us:

• Email: accessibility@sodefina.eu
• Contact form: contact.html (Mon-Fri 8:30 a.m.-7:30 p.m., Sat 8:30 a.m.-5:00 p.m.), specifying the page concerned and the nature of the difficulty encountered
• Post: Sodefina S.A. — Digital Accessibility Officer — Rua Frederico George nº 39, 1600-468 Lisboa, Portugal

If you encounter difficulty accessing content or a feature of the Site because of a disability, our customer service can also offer you an alternative solution by email, to enable you to access the service or information sought.

We commit to reviewing any report and providing a response within a reasonable timeframe, including, where applicable, an alternative solution pending the final fix of the reported issue. If you do not receive a satisfactory reply, you may send a complaint to the Portuguese authorities competent in matters of digital accessibility, or contact the Defender of Rights (www.provedor-jus.pt) or your territorial delegate.

Declaration drawn up on 1 June 2026 — subject to annual review.

Frequently asked questions about accessibility

Is the Site compatible with screen readers? We are working continuously to improve this compatibility, with a partial level of compliance currently.
Can I enlarge the Site's text? Yes, the content remains legible up to 200% zoom.
How can I report an accessibility issue? Via our contact form, detailing the page and the difficulty encountered.
What if the Site doesn't respond quickly to my report? You can contact the Defender of Rights (Provedor de Justiça) or your regional representative.