Is Secrets AI Safe? Privacy, Payments, and Security Explained
The three questions most users have before signing up are: will this appear on my bank statement, can I use it without giving my real name, and what happens to my conversations? All three have definitive answers. This page covers them, along with the areas where Secrets AI's safety profile is genuinely strong and the areas where the documentation leaves real questions open.
⚠️ This analysis reflects information available as of May 2026. Privacy policies and security practices change — verify current terms on the official site before making decisions based on this content.
Is Secrets AI Legitimate?
Secrets AI is operated by Secret Labs Inc., incorporated in Dover, Delaware, United States. The platform launched in 2024 and reached over 100,000 users by November 2025. It is a functioning commercial product with an active user base and a Discord community of 8,568 members.
On Trustpilot, Secrets AI holds a 4.2/5 rating based on 6 reviews — 100% five-star. The small review count limits how much weight to assign this score, but the absence of fraud complaints or reports of financial irregularities is meaningful. No documented data breaches or security incidents were found in reviewing the platform.
companionguide.ai rates it 9.6/10 across 116 reviews, providing a more statistically meaningful data point in the same direction.
Privacy and Encryption
Private Mode
Secrets AI's primary privacy feature is Private Mode, which enables end-to-end encryption on individual conversations. When Private Mode is active, the conversation content is encrypted end-to-end and excluded from use in AI model training.
Two important operational details: Private Mode must be enabled per conversation — it doesn't apply globally to your account. And it's not retroactive — conversations started before enabling Private Mode are not covered. Users who want every session encrypted need to remember to activate it each time.
Information privacy in AI companion platforms is an active concern across the category. Private Mode is a substantive implementation, not just a policy statement.
Data Storage
Secrets AI uses industry-standard encryption for all data in transit and at rest. The platform's stated policy is no third-party data sharing. Account deletion — available at any time — permanently removes all chat history, characters, and generated content within 30 days.
Transparency Concerns
The significant qualification on the above: independent review site aigirlfriendscout rates Secrets AI's privacy documentation at 2.9/5, citing a lack of technical specifics. What's missing from the public documentation:
- Specific encryption protocols (e.g., AES-256, TLS version) are not published
- Data retention timelines beyond the 30-day deletion window are not specified
- Claims of independent security audits exist but are not publicly verified
- No bug bounty program or public security disclosure process documented
These gaps don't indicate the platform is insecure — industry-standard practices likely cover the technical baseline. They mean users are taking the platform at its word rather than verifying independently. For users with high privacy requirements, this is a meaningful limitation.
Payment Security
Accepted Methods
Secrets AI accepts:
- Visa
- Mastercard
- Virtual debit cards
- Cryptocurrency (minimum $20 per transaction)
American Express is not accepted. Payment processing uses third-party providers, meaning card data is not stored directly by Secrets AI.
Cryptocurrency payment is available for users who want maximum payment privacy — no financial institution linkage, no bank record connecting personal identity to the platform.
Billing Discretion
This is one of Secrets AI's strongest practical privacy features. All charges appear on bank and credit card statements as "Sun Clinical Laboratories" — no reference to Secrets AI, AI girlfriend, adult content, or anything that would identify the nature of the service. The discreet billing descriptor is intentional and consistent.
For users concerned about shared financial accounts, employer card review, or general billing discretion, this is a meaningful operational detail.
Account Privacy
Anonymous account creation is supported. Signing up requires:
- Email address
- Password
What is not required:
- Real name
- Phone number
- Social media account (no Google/Apple/Facebook login)
The absence of social login is meaningful from a data linkage perspective — it means Secrets AI isn't connected to your Google, Apple, or Facebook identity graph. You can create an account with a dedicated email address and maintain full separation from other online identities.
Content Safety
Secrets AI explicitly permits NSFW content — the platform is designed for adult romantic and intimate interactions. The AI engine is set to a PG-13 default that escalates based on user direction. The AI does not push inappropriate themes unprompted.
Content moderation for illegal or non-consensual content is in place. The NSFW experience is rated 4.3/5 by reviewers, reflecting a high-quality adult content implementation rather than a poorly moderated edge case. The platform falls within the mainstream AI companion category for content policy — comparable to Candy AI and more permissive than Character.AI's zero-NSFW approach.
Known Risks and Concerns
No platform in this category is without risks. The honest assessment for Secrets AI:
- Moments spending can accumulate quickly with heavy video or voice use, with no in-platform spending cap documented
- No parental controls or age verification process is publicly described
- Refund policy details are not publicly available — if you're uncertain about a plan, testing the free tier first reduces financial risk
- US jurisdiction means data could theoretically be subject to legal process under US law (subpoena, court order)
- Privacy documentation gaps mean the security baseline is assumed rather than independently verified
None of these are unusual for platforms in this category. They're worth knowing before signing up rather than discovering afterward.
How Secrets AI Compares on Safety
| Feature | Secrets AI | Candy AI | CrushOn AI | Character.AI |
|---|---|---|---|---|
| End-to-end encryption | Per-conversation (Private Mode) | Not specified | Not specified | Not specified |
| Anonymous signup | Yes | Yes | Yes | No (Google/Apple required) |
| Billing privacy | "Sun Clinical Laboratories" | Discreet | Discreet | Standard |
| Content policy | Full NSFW allowed | Full NSFW allowed | Zero filter | No NSFW |
| Native app permissions | N/A (web only) | N/A (web only) | N/A (web only) | Camera, contacts, notifications |
Secrets AI's browser-only architecture has a side benefit for privacy: no native app means no app permissions — no access to your camera, microphone, contacts, or location beyond what you explicitly share in the browser. Character.AI's native app requests standard mobile permissions, which Secrets AI simply doesn't require.
The full platform review covers the complete picture of Secrets AI including features, pricing, and an honest verdict on value. For billing specifics, the pricing page covers payment methods and the Moments system in detail.
FAQ
With Private Mode enabled, conversations are end-to-end encrypted and not used for AI training. Without Private Mode, conversation data follows the platform's standard data handling practices, which include industry-standard encryption in transit and at rest. No third-party data sharing is stated in their policy. However, as with any cloud-based service, data could theoretically be subject to legal requests under US jurisdiction.
No — not under the Secrets AI name. All charges appear as "Sun Clinical Laboratories" with no reference to the platform, AI services, or adult content. For maximum billing privacy, cryptocurrency payment (minimum $20) removes the bank statement connection entirely.
Yes. Account deletion is available through account settings and permanently removes all associated data — chat history, characters, and generated content — within 30 days. This is a complete data removal, not an account deactivation that retains underlying data.
Secrets AI's stated policy is that it does not share data with third parties. The caveat is documentation quality — specific details about data handling aren't published at the level of transparency that a formal privacy audit would require. The policy statement is there; independent verification is not. For users with high data sensitivity requirements, that gap is worth factoring into the decision.