Is Secrets AI Safe? Privacy, Payments, and Security Explained

The answer to whether Secrets AI is safe depends on which dimension of safety you mean. On payment discretion and account anonymity, the platform performs well. On privacy documentation transparency, it has documented gaps. This breakdown separates what is verifiable from what remains unclear — because those two categories matter differently when you're deciding whether to hand over payment details and personal chat data.

Is Secrets AI a Legitimate Platform?

Secrets AI is operated by Secret Labs Inc., incorporated in Dover, Delaware, United States. The platform launched in 2024 and reached over 100,000 registered users by November 2025. It holds a 4.2/5 rating on Trustpilot from 6 reviews (100% five-star at time of writing — small sample size, but no negative reviews recorded). The aggregate rating from companionguide.ai across 116 reviews is 9.6/10.

There are no documented reports of data breaches, fraud, or deceptive billing practices associated with the platform. The incorporation in Delaware is standard for US technology companies. The platform does not obscure its corporate identity or support contact information.

One critical disambiguation: Secrets AI (secrets.ai) is not the same product as "Secret AI" (secretai.io), which is an offline, privacy-focused AI assistant available on Google Play and iOS. The two products have no connection despite similar names. If you are specifically researching secrets.ai, ensure you are not reading reviews or concerns about the unrelated secretai.io product.

Privacy Architecture and Encryption

Private Mode

Private Mode is the platform's most significant privacy feature. When enabled, it applies end-to-end encryption to the conversation on a per-conversation basis. Additionally, conversations with Private Mode enabled are excluded from being used as AI training data.

Two important technical notes: Private Mode must be activated for each conversation individually — it is not a global account setting. Any conversation started without enabling it first does not receive this protection retroactively. Users with strong privacy requirements should develop a consistent habit of enabling Private Mode at the start of each session.

Data Storage

Secrets AI uses industry-standard encryption for data in transit and at rest. The platform's stated policy includes no third-party data sharing. Account deletion permanently removes all chat history, character data, and generated content within 30 days of the deletion request.

Transparency Gaps

The privacy rating of 2.9/5 from aigirlfriendscout reflects real documentation deficiencies. The platform does not publicly disclose:

• Specific encryption protocols or cipher suite details
• Data retention timelines for active accounts (beyond the 30-day deletion period)
• Independent security audit results — the platform claims audits exist but provides no verifiable documentation
• Specific details about what data is collected beyond what is minimally stated in the privacy policy

For most users, these gaps are acceptable in the context of an entertainment platform. For users with elevated privacy requirements — journalists, activists, or anyone in a sensitive personal situation — the lack of technical specificity is a legitimate concern.

Payment Security and Billing Discretion

Accepted Payment Methods

• Visa
• Mastercard
• Virtual debit cards
• Cryptocurrency (minimum $20 transaction)

American Express is not accepted. Payment card data is processed via third-party payment providers — Secrets AI does not store raw card numbers directly, which is standard practice for compliant e-commerce platforms.

Discreet Billing

All charges appear on bank and card statements as "Sun Clinical Laboratories." The descriptor contains no reference to Secrets AI, AI services, adult content, or any term that would identify the nature of the purchase. This is a deliberate choice intended for users who value billing discretion.

Cryptocurrency payments provide a higher level of anonymity — no bank record connects to the transaction, and the minimum $20 transaction threshold accommodates single-session top-ups.

Account Privacy

Account creation requires only an email address and a password. No real name, phone number, address, or social media authentication is required. The anonymous signup design means no identity linkage occurs during registration.

There is no Google, Apple, or Facebook social login option — which is actually a privacy benefit. Social logins create data linkage between the platform and the linked identity provider. Secrets AI's email-only approach avoids this.

Sessions persist in the browser, and password resets are handled via email. No biometric login is available given the platform is browser-based.

Content Safety

Secrets AI explicitly permits NSFW content. The platform is designed for adult romantic and intimate AI companion interactions. Default conversations start at a PG-13 level of suggestiveness and escalate based on user direction — the AI does not initiate explicit themes unprompted.

The NSFW capability is rated 4.3/5 by reviewers. No documented reports exist of the platform generating non-consensual or illegal content. The platform's content policy explicitly prohibits content involving minors.

Age verification specifics are not publicly documented — the platform relies on self-certification of age during signup rather than identity document verification. This is consistent with industry norms in the AI companion category but is worth noting for parents concerned about minor access.

Known Risks and Considerations

These are real risks worth acknowledging before signing up:

• Uncontrolled Moments spending: The Moments system charges for every media action. Users who do not track their consumption can accumulate significant charges — especially with video generation at up to 600 Moments per clip. There are no documented spending caps or alerts.
• No refund policy details: No public refund policy documentation exists. Treat subscription charges as non-refundable.
• US jurisdiction: The company is incorporated in Delaware. Conversation data stored on US servers is theoretically subject to US legal process (court orders, subpoenas). Private Mode mitigates this for encrypted conversations, but is not protection against all legal scenarios.
• No age gate: Signup does not require age verification beyond a checkbox acknowledgment, which presents a risk of minor access.
• Limited recourse: As a relatively new platform (launched 2024), customer service infrastructure and dispute resolution processes are less established than older competitors.

Platform Safety Comparison

Secrets AI's strongest safety advantage over competitors is the anonymous signup and discreet billing combination. Character.AI has the advantage of a large established trust history. For the full platform context, see the complete review.

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