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Koda Lending, DBA Helpful Lending, is a sovereign enterprise, economic development arm and instrumentality of, and wholly-owned and controlled by, the Crow Creek Sioux Tribe, a federally-recognized sovereign American Indian Tribe (the “Tribe”). This means that Helpful Lending’s loan products are provided by a sovereign government and the proceeds of our business fund governmental services for the Tribal community. This also means that Helpful Lending is not subject to suit or service of process. Rather, Helpful Lending is regulated by the Tribe. If you do business with Helpful Lending, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in Helpful Lending’s contracts, these forums include an informal but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, Helpful Lending is not subject to suit or service of process. Neither Helpful Lending nor the Tribe has waived its sovereign immunity in connection with any claims relative to use of this website. If you are not comfortable doing business with a sovereign instrumentality that cannot be sued in court, you should discontinue use of this website.