Is Secrets AI safe and legit?
Short answer: Secrets AI is operated by Secret Labs Inc., a registered company in United States, and it is broadly legitimate, with some caveats worth knowing before you pay. The detail matters though, so here is exactly what we checked and what we found.
Who you are actually paying
| Operating company | Secret Labs Inc. |
|---|---|
| Jurisdiction | United States |
| Website | www.secrets.ai |
| Trust score | 7.6 / 10 |
| Overall score | 8.5 / 10 |
| Data confidence | Verified against primary sources |
A company you can name is a company you can hold to account. Every platform we cover is checked against the relevant national company registry, because an operator that hides its corporate identity is the single biggest red flag in this category.
What we verified ourselves
- Five subscription tiers (Free, Lite, Plus, Premium, Ultimate) across monthly, quarterly, biannual and annual billing.
- Token currency branded "Moments", tracked in a double-entry ledger with 53 distinct transaction reasons and paired refund paths.
- Two-generation memory system mid-migration: a legacy fact store and a structured Lorebook with versioned, user-approvable entries.
- Group chat, interactive branching stories, episodic video, user-to-user tipping and a creator payout programme.
- Age verification, consent verification and moderation review are first-class parts of the platform, not bolted on.
Good to know before you subscribe
- ✘Media generation is billed in tokens on top of the subscription, so budget for both.
- ✘Less third-party coverage than the biggest brand names, simply because it is newer.
How to use Secrets AI safely
Read the refund clause before you pay
This is the single most skipped step and the one that causes the most trouble. Refund terms in this category range from reasonable to outright unlawful. If you are in the UK or EU you keep statutory cancellation rights regardless of what a terms page claims, but you may still have to argue for them.
Never share anything genuinely sensitive
AI companions are designed to build rapport and ask personal questions. Conversations are stored on the operator's servers and can be reviewed by moderation systems. Do not share financial details, your home address, passwords, or anything you would not want a stranger reading.
Use a payment method you can control
A virtual card or a card with a low limit gives you a clean way to stop recurring billing if cancellation turns awkward. Keep written records of any cancellation request, including the date and what you were told.
Check the billing descriptor
Subscriptions appear on statements under a descriptor set by the operator or its payment processor, which is not always the platform's own name.
A higher-scoring option on trust
If the concerns above bother you, Nomi AI scores 8.4/10 on trust against Secrets AI's 7.6/10, and 7.9/10 overall. The one built for companionship rather than gratification.
Frequently asked questions
Is Secrets AI legit?
Secrets AI is operated by Secret Labs Inc., a registered company in United States. It is a real, identifiable business rather than an anonymous operation. On our trust criteria it scores 7.6/10, meaning it is broadly legitimate, with some caveats worth knowing before you pay.
Is it safe to put my card details into Secrets AI?
Payment is handled on the operator's own infrastructure, not ours, and we cannot audit their card handling. The practical risk in this category is rarely card theft. It is recurring billing that is hard to cancel, so read the cancellation and refund clauses before you subscribe.
Are my Secrets AI conversations private?
Treat nothing in this category as private. Conversations are stored server-side and most operators reserve the right to review flagged content for moderation. Never share financial details, your address, or passwords with any AI companion.
Can I get a refund from Secrets AI?
Check the operator's own terms before subscribing, because refund policies vary sharply here. If you are in the UK or EU, a blanket "no refunds" clause does not override your statutory cancellation rights, whatever the terms say.
Will Secrets AI show up on my bank statement?
Yes. Subscriptions in this category appear on card statements under a billing descriptor, which is sometimes the platform name and sometimes the parent company's. If discretion matters to you, that is worth knowing before you pay.
Safety checks on other platforms
About the author
M. Khan
M. Khan is the editor of CompanionRank. He has spent the last two years taking apart AI companion platforms, reading their shipped client code, their public API responses and the company filings behind them, because almost nothing in this category can be taken at face value.
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