Secrets AI Review Discreet? Billing, data and privacy claims, checked against the policy

Your bank

What Your Card Statement Shows

S LABS INC. That's the line. It covers plans and Moments purchases alike, and the Secrets store says the brand name doesn't appear on the charge. The checkout card prints it under the buy button: "Billed discreetly as S LABS INC."

Sign-up asks for little

An email address. Per the store, that's all standard use requires. No legal name, no phone, no identity document. Few apps in this category ask for less.

Ways to pay

Visa, Mastercard, Discover. Or crypto: 300-plus coins accepted, minimum payment $20. If neither suits you, there's G2A, where you can buy a prepaid 3-month or 12-month key. Those keys don't auto-renew. For anyone who forgets to cancel, that's a feature.

The company on the other end

Secret Labs Inc. Its terms (revised April 10, 2026) describe a company registered in Canada and in the United States. The contact address is in Dover, Delaware. British Columbia law applies. Disputes go to arbitration one user at a time, and class actions are waived.

Your data

What It Keeps, Deletes and Owns

The privacy policy is short, and it gives specifics. Stored data: AES-256. Connections: TLS 1.2 or higher. Staff access: role-based.

That last row deserves credit. You can't upload anything, so a leaked selfie isn't a risk on Secrets. The call row deserves a second read: the voice recording goes, but the words stay.

Ownership

Section 10A of the terms. Prompts stay yours. Secret Labs owns the output: images, videos, voice and replies. You get a personal licence to use them, not a commercial one.

If you cancel

Settings, then Manage Subscription. After that, two pages disagree. Wiki and store FAQ: you drop to Free and your chats, memories and characters remain. Terms: the account closes by itself once the paid period is over. Probably stale wording in the terms. Save your best chats before the plan runs out anyway.

Money back is rare. No refunds on subscriptions, unless required by law or by Secrets' Refund Policy. Moments are final. EU and UK customers get a 14-day window to withdraw, on new subscriptions only.

The claim

End-to-End Encryption? Not Quite

Here's the one that doesn't hold. A homepage card about privacy and security promises end-to-end encrypted conversations. Nowhere does the privacy policy say that. It covers data stored on the servers and data moving over the network, and the store FAQ settles for "encrypted in transit".

The difference is practical. With true end-to-end encryption, the company couldn't read your messages. Secrets has to read them to generate replies, and its policy allows chats to be used to train and improve its models.

Good encryption, oversold. The policy beats most rivals; the homepage oversells it.

Two other rules belong here. No characters of real people, famous or private: the wiki says they're deleted, with no refund. And the terms exclude places where this content is illegal or needs age verification, so in some countries the site may be blocked.

Your gallery

Private by Default, Public by Choice

What you generate stays off your profile. An image or video only shows there if you click its eye icon, one item at a time. The store adds that media reaches you through private links with a limited lifespan. Some companion apps do the reverse and publish by default. This is the right way round.

The public side of Secrets is the creators'. Many companions on the homepage are user-made, and each card names its maker (@Midnight, @FindersKeepers and so on) along with the character's age and city. A creator can turn on a public page at /u/username. Off unless they choose it.

The homepage itself leads with two clip formats. Shorts are daily mini-dramas in episodes. Reels stop on a character waiting for your answer, and replying opens a chat. The sidebar has eight entries and an Upgrade button stamped "50% OFF".

The price

Plans, Moments and the Video Problem

Three plans. One currency, Moments, for everything except text. The wiki notes "tokens" means the same thing.

The "50% OFF" badge works off crossed-out prices of $39.99 for Premium and $79.99 for Ultimate. The wiki gives $19.99 and $39.99 as standard. So the badge is decoration; the price you pay is the one above. The wiki also says some promotions only cover the first billing period. Read the renewal amount.

What the Moments buy

Here's the video problem in one line: a Premium month buys 160 images or 6 Cinematic clips. Longer and sharper clips cost more: Cinematic tops out at 4K and 15 seconds, Intimate at half a minute. The total shows on the Generate button first. Blocked requests cost nothing; failed ones are refunded automatically.

Allowances reset every renewal and don't roll over. Top-Up Moments never expire, but only paying members can buy them (with a 10% or 15% bonus by plan), and their prices were hidden from us without an account. Moments also unlock character bundles you keep for good, and Shorts episodes beyond the free openers.

Plan plus currency is the common model. On OurDream AI the currency is called Dreamcoins. On Secrets, at least, every exchange rate is written down.

The chat

Why Pay at All: the Chat

Free gives 20 messages a day, counted per device, with every companion and basic memory. Modes: S3 and X-3. Enough to test. Not enough to live in.

Paid plans are where Secrets earns its score. Premium unlocks unlimited messages, the faster S5 mode, longer messages (1,000 characters, 2,000 on Ultimate) and memory the wiki puts at "4x access, +60% ctx", with about 67% recall of past chats. Ultimate goes to 6x access and "+100%" recall, and adds the S4 mode and a Max thinking level.

Lorebooks and Time Travel

Both from Premium. A Lorebook is the companion's reference file: Cast, World, Relationship, Facts, Chronicle. She writes to it, you can too, and you approve her edits. Pins keep facts active. Locks freeze them. Time Travel rewinds the chat to any earlier message and erases what followed.

Ultimate also brings group chats (two or three companions), Personas and Proactive Messaging, where the companion messages first after a gap. Chat Time, for setting a scene's clock or date, rounds it out. Calls cost 50 Moments a minute, follow the chat's Spice Level, and aren't charged if they never connect.

If memory and voice calls are what you're shopping for, compare with our OurDream AI guide, which covers OurDream's evolving memory and deep customization.

The verdict

Who It Suits, Who Should Pass

Reputation

Trustpilot score when we checked: 4.5, on 317 reviews. Five-star share 73%, one-star 3%. Secrets took over the page in February 2026, subscribes to a paid Trustpilot tier and sends review invitations, so expect a warm tilt. Replies to negative reviews: 96%. Reddit is mixed. One thread is called "Tried Secrets AI - interesting but exhausting". A "4 month research report" from another user likes the images and video.

Wrong app?

Secret AI (secretai.io, by Secret AI L.L.C.) is a separate offline chat app. Secret Network is unrelated too. And pages.dev sites with "mod-apk" in the address aren't from Secrets.

Pay for it if

You want a discreet chat companion with real memory tools. Yearly Premium, $9.17 a month, is the plan to pick.

Pass if

You need true end-to-end encryption, or you're mainly after video. The first isn't on offer, and the second isn't cheap.