This Helpful Lending privacy policy (the "Privacy Policy") is intended to inform you of our policies and practices regarding the collection, use and disclosure of any information you submit to us through This includes "Personal Information", which is information about you that is personally identifiable such as your name, e-mail address, full content of your e-mail, customer ID number, application number, and other non-public information that is associated with the foregoing.

User Consent

By accessing or otherwise using, you agree to this Privacy Policy and expressly consent to the processing of your Personal Information in accordance with this Privacy Policy.

Your Personal Information may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding processing of Personal Information may be less stringent than the laws in your country.




Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


When you use Helpful Lending's online sites, we may collect and share your personal information that you provide via forms, applications, surveys, and other online fields. This information can include:

  • Name, address, and contact information;
  • Social Security number and income information;
  • Payment history and employment information;
  • Financial account details and account balances; or
  • Information from identification documentation, such as your driver's license, passport, or utility bills.


All financial companies need to share customers' personal information to run their everyday business. In the section below, we list reasons financial companies can share their customers' personal information; the reason Helpful Lending chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Helpful Lending share?

Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes – to offer our products and services to you, both during and after the administration of your account(s)



For joint marketing with other financial companies



For our affiliates' everyday business purposes – information about your transactions and experiences



For our affiliates' everyday business purposes – information about your creditworthiness



For our affiliates to market to you



For nonaffiliates to market to you



Mobile information sharing with non-affiliates for their marketing purposes.

Note: No mobile information will be shared with non-affiliates for marketing purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be sold to any third parties.



To limit our sharing

Please note:

If you are a new customer, we can begin sharing your information subject to your ability to opt-out 30 days from the date you sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.


Call 1-833-863-1086 or go to

Who we are

Who is providing this notice?

Helpful Lending is providing this privacy policy and it applies to all loans made by the company and all products and services offered in connection with such loans.

What we do

How does Helpful Lending protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Even though we have taken significant steps to protect your Personal Information, no company, including us, can fully eliminate security risks associated with Personal Information.

How does Helpful Lending collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan
  • Give us your income information
  • Tell us where to send the money
  • Provide account information
  • Provide employment information
  • Provide feedback
Personal Information from Other Sources

We also collect your personal information from others, such as credit bureaus, affiliates, companies who we have partnered with (collectively, "Partners") or other companies. We may associate this information with the other Personal Information we have collected about you.

Cookies and Other Tracking Technology

Helpful Lending uses cookies and other tracking technology, to monitor website performance. These other tracking technologies may include some combination of web beacons, clear GIFs, or pixel tags. Cookies and other tracking technology allow us to collect and store information, such as your browser type, your Internet Protocol (IP) address, operating system, the date and time you spend on our sites, the pages you visited, your language preferences, the solutions and information for which you searched and viewed, the advertisements displayed on Helpful Lending you clicked, and other anonymous visit data. We may use this information to improve the quality of our sites or to make Helpful Lending more useful to you.

We may share your content preferences and other information with the social network from which you have connected to Helpful Lending, along with those companies and persons you have asked us to share your information with. Additionally, if you provide feedback to us, we may use and disclose such feedback for any purpose, provided we do not associate such feedback with your Personal Information. We will collect any information contained in such feedback and will treat the Personal Information in it in accordance with this Privacy Policy. You agree that any such comments we receive becomes our property. We may use feedback for marketing purposes or to add to or modify our services without paying any royalties or other compensation to you.

Helpful Lending may also contract with third-party companies that use cookies, web beacons, clear GIFs, pixel tags, and other tracking technology for our sites' analytics and to advertise our products and services on unaffiliated websites and mobile apps. With our approval, these companies will have access to your information as needed to perform their functions, but they cannot use your information for any other purpose. These companies will not have access to information that can personally identify you.


Most web browsers are initially set up to accept cookies. Some web browsers have a "do not track" feature that lets you tell websites that you do not want to have your online activities tracked. In order to use our services offered through Helpful Lending however, your web browser must accept Cookies. If you choose to disable Cookies, some aspects of Helpful Lending may not work properly, and you may not be able to receive our services.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you



Companies related by common ownership or control.
Our affiliates include financial companies such as other lenders.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include other lenders and direct marketing companies.


Small pieces of information that a website sends to your computer's hard drive while you are viewing a website.

Internet Protocol Address or "IP Address"

A number that is automatically assigned to your computer when you use the Internet. In some cases, your IP Address stays the same from browser session to browser session; but if you use a consumer internet access provider your IP Address probably varies from session to session.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners can include institutions such as other lenders or marketers.


We may disclose certain personal and non-personal information we collect from your use of our sites to companies that perform services on our behalf, including those who assist us in processing transactions, transactional communication, and responding to user inquiries. If you do not want us to use or disclose Personal Information collected about you in the manner identified in this Privacy Policy, you should not use Helpful Lending. In the event we go through a business transition such as a merger, acquisition by another company, sale of all or a portion of assets, or other business transition, your Personal Information may be among the assets transferred. You acknowledge that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of ours may continue to process your Personal Information as set forth in this Privacy Policy.

We may disclose your Personal Information if we believe in good faith that such disclosure is necessary to (a) comply with relevant laws or to respond to subpoenas or warrants served on us; or (b) to protect and defend our rights or property, you, or third parties. You hereby consent to us sharing your Personal Information under the circumstances described herein. Helpful Lending may contain links to other websites. Please be aware that we are not responsible for the privacy practices or the content of such other websites. This Helpful Lending privacy policy applies solely to information collected by us through and does not apply to these third-party websites. The ability to access information of third-parties from Helpful Lending, or links to other websites or locations, is for your convenience and does not signify our endorsement of such third-parties, their products, their services, other websites, locations or their content.

Our third-party platform provider is a third-party beneficiary of our third-party service provider’s arbitration, class action, and jury waiver provisions.

Mobile Device Opt-Out: To opt-out of receiving targeted ads that are based on your behavior across different mobile applications follow the instructions below for iOS and Android devices:

iOS 7 or Higher: Go to your Settings> Select Advertising> Enable the “Limit Ad Tracking” setting; and
For Android devices with OS 2.2 or higher and Google Play Services version 4.0 or higher: Open your Google Settings App> Select Ads> Enable “Opt-out of interest-based advertising”.
Industry Opt-Out Tools and Self-Regulation: You may use the NAI opt-out tool [HERE] which will allow you to opt-out of seeing personalized ads from us and form other NAI approved member companies.

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.