Is Secrets AI safe and legit?
Not a policy summary: the four things a card and a cancel button actually tell you. What we paid, what the bank printed, how many screens it took to stop, and whether anything checked that we were 18.
Everything on this page comes from our own October 2026 test: the full Secrets AI review, the card notice where we have one, and the cancellation screens we clicked through. How we test.
| Operator / jurisdiction | Secret Labs Inc., Dover, Delaware |
|---|---|
| What we paid | $19.99 for one month of Premium on 19 October 2026, with 8,000 Moments. |
| Bank statement descriptor | S LABS INC 604-3295224 CA US |
| Discretion level | The most discreet of the seven that are not obviously the app. Nothing in the string suggests an AI companion app. |
| Cancellation flow | Two screens. The first lists what you lose, including “Generated media will be deleted after 14 days on Free”; the second confirms the end date, asks for an optional reason and holds “Cancel plan” behind a short countdown. No discount offer. Access ran to 18 November 2026. |
| Age check observed | No age check anywhere in the app that we saw. |
| NSFW default state | The spice level was already on its highest setting, “Spicy”, in our test, and explicit text came as soon as we asked, with no warning. |
| Free plan catch | 20 messages a day and no monthly Moments. A free account cannot buy Moments, so pictures ran on our 225-Moment sign-up bonus (200 for confirming the email, 25 for notifications). |
Is Secrets AI legit or a scam?
Secrets is the cleanest of the seven card notices we read on money: the checkout said “Appears as S LABS INC. on your statement”, the card notice said exactly that, and cancelling took two screens and a countdown. It is a real product that does what it sells. The one behaviour we object to is that its video tool quietly rewrote our gentle prompt into an explicit one.
The distinction we care about: a scam takes money and gives you nothing. Secrets AI took our money and gave us a working product. What you are being asked to accept is a sales funnel, and this page exists so you can see the shape of it before you type a card number.
What shows up on your bank statement for Secrets AI?
The line on our card notice was S LABS INC 604-3295224 CA US, for $19.99 on 19 October 2026. The site’s own wording before we paid was: “Appears as S LABS INC. on your statement”. The most discreet of the seven that are not obviously the app. Nothing in the string suggests an AI companion app. The full breakdown is on the “S LABS INC 604-3295224 CA US” page.
A neutral string on a statement hides the app’s name and nothing else: the amount, the date and the monthly repeat are still there, and so are the receipts in your inbox. The other six merchant names we have seen are on the bank statement page.
How hard is it to cancel Secrets AI?
Two screens. The first lists what you lose, including “Generated media will be deleted after 14 days on Free”; the second confirms the end date, asks for an optional reason and holds “Cancel plan” behind a short countdown. No discount offer. Access ran to 18 November 2026.
Two things worth knowing before you start. Cancelling in the app cancels the subscription; asking your bank to block the merchant does not, and can leave the account open. Where we walked through the cancellation, the plan kept working until the end of the month we had paid — cancelling is not a refund.
Does Secrets AI verify your age or expose your data?
No age check anywhere in the app that we saw.
This is the one app where we could see what it had saved: a “View Memories” panel filed four facts from our chat, each with a category, an importance level and a tick or a cross, so you can accept or decline. We have not audited its privacy policy or retention — not tested by us yet.
Of the nine apps we tested, exactly one showed us an age check, and it was skippable. That is the whole of what our screenshots can prove; anything about servers, encryption or who can read your chats would be a guess, and we do not print guesses. The screenshots behind these claims are on the Secrets AI review, and the side-by-side NSFW and age-gate table is in our NSFW test.
Is Secrets AI actually free?
20 messages a day and no monthly Moments. A free account cannot buy Moments, so pictures ran on our 225-Moment sign-up bonus (200 for confirming the email, 25 for notifications).
Yes, with a daily ceiling. A free account gets 20 messages a day on the older models; our six-message test never met a paywall. Pictures cost Moments, and free accounts only have sign-up bonuses. Premium is $19.99 a month or $109.99 a year.
If the point of this check is “will this cost me more than the headline”, then on the paid apps here the answer is often yes: tokens, Moments, XOT and coins are billed on top, and the second month differs from the first on two of them (Candy and DreamGF). Our write-up on coins, Moments and bank statementsadds up what the extras do to the bill, using the same figures as the reviews.
Frequently asked questions about Secrets AI safety
Is Secrets AI legit or a scam?
Secrets is the cleanest of the seven card notices we read on money: the checkout said “Appears as S LABS INC. on your statement”, the card notice said exactly that, and cancelling took two screens and a countdown. It is a real product that does what it sells. The one behaviour we object to is that its video tool quietly rewrote our gentle prompt into an explicit one. We cancelled the same day and kept access until 18 November 2026. We have not asked any of these apps for a refund, so this page says nothing about refunds.
What shows up on your bank statement for Secrets AI?
Our own card notice for $19.99 on 19 October 2026 read “S LABS INC 604-3295224 CA US”. The most discreet of the seven that are not obviously the app. Nothing in the string suggests an AI companion app.
How hard is it to cancel Secrets AI?
Two screens. The first lists what you lose, including “Generated media will be deleted after 14 days on Free”; the second confirms the end date, asks for an optional reason and holds “Cancel plan” behind a short countdown. No discount offer. Access ran to 18 November 2026.
Is Secrets AI actually free?
Yes, with a daily ceiling. A free account gets 20 messages a day on the older models; our six-message test never met a paywall. Pictures cost Moments, and free accounts only have sign-up bonuses. Premium is $19.99 a month or $109.99 a year.
Where should you read next about Secrets AI?
- The full Secrets AI review — the six-message chat test, prices and screenshots.
- All the bank statement lines we have seen, including “S LABS INC 604-3295224 CA US”.
- Click through the Secrets creator first — our replica of the screens we recorded, nothing sent anywhere.
- What coins, Moments and tokens do to the bill.
The “Visit Secrets AI” button below is an affiliate link: we may earn a commission if you subscribe. It does not change anything on this page, and we say it here rather than in a footnote.
Which other apps have we checked for safety?
- →Is Candy AI safe?Billing, cancellation and the age check, for Candy AI.
- →Is Ourdream AI safe?Billing, cancellation and the age check, for Ourdream AI.
- →Is Kindroid AI safe?Billing, cancellation and the age check, for Kindroid AI.
- →Is Nomi AI safe?Billing, cancellation and the age check, for Nomi AI.
- →Is SpicyChat AI safe?Billing, cancellation and the age check, for SpicyChat AI.
- →Is GirlfriendGPT safe?Billing, cancellation and the age check, for GirlfriendGPT.
- →Is DreamGF safe?Billing, cancellation and the age check, for DreamGF.
- →Is Xotic AI safe?Billing, cancellation and the age check, for Xotic AI.
Not financial or legal advice. Prices and policies change; the app’s own checkout and help pages always beat this page. We have not tested refund requests on any of the nine. The index behind these checks is our safety comparison of all nine apps.