Secrets AI Review (2026)

This Secrets AI review checks every price against the vendor’s own store and terms as of August 2026, without rounding or taking the discount badges at face value. The ending covers the verified cost of each tier, exactly what a Moment buys, who runs the platform, and an honest verdict on whether the subscription is worth it.

The central takeaway: Secrets AI is a legitimate, working web-only AI companion, not a ghost product or placeholder. But its biggest selling point, the memory that the platform markets hardest, is locked behind Premium and Ultimate. The free tier gets a taste. The real feature set costs money, and the more a user pays, the more memory the vendor promises.

Moments, the platform’s internal currency, meter everything beyond basic chat: images, videos, voice calls, and custom characters. Every generation, every minute, and every character build draws from the same pool.

No AI model names are disclosed anywhere on the site or in its docs. The vendor never says which models run underneath, which matters for anyone comparing this against other companions on the market.

Is Secrets AI Legit? A Look at the Web-Only Platform

Secrets AI is legitimate, with some qualifications. The platform is real, functional, and actively maintained, but it offers less than its marketing suggests. Secrets AI is a web-only AI companion service: there is no native app for iOS or Android, and its documentation from August 2026 states plainly that the browser install is the only official way to use it. The same docs explicitly disown every app store listing that carries the Secrets name, calling them unofficial.

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One common point of confusion involves Secret Desires AI. That is a different company’s product with a near-identical name, and the two get mixed up constantly in forums and review threads. Anyone researching either platform should check which one a given review, screenshot, or pricing table actually covers, because the similarity stops at the name.

The Secrets AI web app includes:

• NSFW and SFW chat with a public catalogue of prebuilt characters
• User-created characters built from scratch
• Image and video generation
• Voice calls with companions
• Group chats that can include multiple characters, added in a March 2026 update

The people behind the platform have no public product history before around the start of 2025, which is when the service went live. Searches of government registries, press archives, and breach databases turn up no incident, lawsuit, or report naming the company, a cleaner record than several competitors have. That clean record is a point in the platform’s favor, even if the lack of an app store presence is unusual.

Secrets AI Pricing: The Doubled Anchors and the Real Numbers

Secrets AI pricing deserves a close look because of how the store presents it. Every price on the site sits beside a struck-through figure that is exactly double the real one, and the 77% and 67% OFF badges measure against that doubled anchor. This is deliberate: the discounts look far larger than they actually are, and a buyer should understand this before committing to a tier.

The real yearly savings tell a different story than the badges suggest. Paying annually on Premium saves 54% compared to twelve months of the monthly rate ($109.99 versus $239.88), and Ultimate comes in at 33% off its monthly equivalent. The vendor’s own homepage tile uses the honest 54% figure for Premium, which suggests the marketing team knows exactly what the real numbers are even when the badges do not.

Retired Plans and the Migration Cliff

Two older tiers no longer exist. The Lite ($5.99) and Plus ($9.99) plans are closed to new signups, and existing subscribers on those tiers move to Premium at their next renewal. The vendor gives 14 days notice before the switch, which is the only warning anyone gets.

A subscriber paying $5.99 a month on Lite suddenly sees a $19.99 Premium charge at renewal, more than triple the previous bill. For anyone on those legacy plans, the price jump arrives with little time to decide whether the higher tier is worth it. The 14-day notice period is the entire window to cancel, downgrade, or accept the new rate, and it is easy to miss if the renewal date is overlooked. Anyone on a retired plan should check their next billing date and decide before the migration hits.

Secrets AI Moments Explained: The Currency That Meters Everything

Secrets AI Moments are the internal currency that meters every non-chat action on the platform. Text conversations with characters run on the daily message allowance, but images, videos, voice calls, and custom character creation all draw from the same Moments balance. Understanding how Moments work matters before picking a tier, because the currency decides how much the subscription delivers beyond plain conversation.

The core rules are simple:

• Granted Moments do not roll over. Purchased Moments never expire.
• Premium includes 8,000 Moments a month, and Ultimate includes 15,000.
• The first custom character is free, while each additional custom character costs 500 Moments.

The distinction between granted and purchased Moments matters more than it might seem. Someone on Premium who uses up the 8,000 allowance gets nothing back at midnight on the first, and whatever is left vanishes too. Bought Moments sit in the balance indefinitely, which makes them the only option for anyone who wants a reserve for heavy months.

What Do Secrets AI Moments Actually Buy You?

The clearest way to understand what Secrets AI Moments buy is to look at the current rates. Each action has a fixed cost:

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• One standard image: 50 Moments
• One 2K-resolution image: 100 Moments
• One adult video: 600 Moments (720p, 8 seconds)
• Voice calls: 50 Moments per minute
• Custom character builds beyond the first: 500 Moments each

The rates are uniform across tiers, so the math is simple regardless of plan. The only difference between Premium and Ultimate is the size of the monthly allowance, not the cost per action.

What 8,000 Moments Actually Gets

Premium’s 8,000 monthly Moments convert into a finite set of options. That balance covers 160 standard images, 13 adult videos, or 160 minutes of voice calls. Mixing and matching drains the same pool, so a subscriber who generates 80 images and 4 videos has already used up the entire month’s allowance.

The adult video rate is the fastest way to empty a balance. At 600 Moments per 8-second clip, a single month of Premium covers barely thirteen of them, and each clip is short enough that most users want several in one sitting. Images go further, but the 2K upgrade halves the count, and voice calls at 50 Moments per minute add up quickly during a long conversation.

The free tier cannot generate a single image, video, or call minute because only paying subscribers can purchase Moments, and granted Moments do not roll over. For anyone weighing the $19.99 Premium tier, the real question is whether the mix of media they want fits inside 8,000 Moments.

Secrets AI Free Plan vs Paid Tiers Compared

The Secrets AI free plan costs $0 and includes 20 messages a day, enough to sample the platform’s conversation quality without spending anything. The free tier is limited to chat. Every media feature sits behind the paywall: only paying subscribers can purchase Moments, so a free account cannot generate a single image, video, or call minute.

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The vendor does not publish daily message limits or Moments allowances for the paid tiers in its public materials, which is why those cells sit empty. What the marketing states clearly is the memory pitch: Premium advertises 4x memories accessed and 60% more context, while Ultimate advertises 6x memories accessed and 100% more context. Those are the numbers the company leads with, and they are the real dividing line between the two paid plans.

That makes the Secrets AI tier comparison largely a question of how much memory and context someone actually needs. Both paid tiers unlock the full media suite, and the Moments math is identical across them. The difference is purely the size of the monthly allowance and the depth of the memory features.

Memory editing is the one capability reserved exclusively for Ultimate. It is the key upgrade for anyone who needs to correct or refine what their companion remembers, whether that means removing a mistaken detail, adjusting how a character recalls a past conversation, or steering the long-term arc of a relationship. On Premium, the companion remembers more than the free tier, but the user has no direct control over what sticks. For anyone who wants direct control over the memory itself, that single feature justifies the jump to the top tier.

Secrets AI Premium and Ultimate Costs: What the Annual Price Buys

The Secrets AI Premium cost is $19.99 a month, or $109.99 a year, which works out to $9.17 a month when paid annually. The Ultimate cost is $39.99 a month, or $319.99 a year. Comparing the two paid tiers means asking whether the memory features and the doubled Moments allowance justify twice the monthly rate.

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The annual Premium rate deserves a close look because of how the store frames it. The vendor’s own homepage tile shows the honest 54% saving on the yearly plan ($109.99 versus $239.88 across twelve months). The store shows a 77% OFF badge on the same plan, measured against a struck-through figure that is exactly double the real price. One page tells the truth. The other sells a discount that does not exist. A widely surfaced review blog prices yearly Premium at $13.33 a month, but the vendor’s store and its own documentation both say $9.17, and that is the figure that holds up.

For a chat-first user, the 8,000 monthly Moments allowance on Premium feels generous. Text conversations run on the daily message limit and do not touch the Moments pool, so someone who mainly talks to characters could go months without noticing the balance. The math changes when media enters the picture.

Regular video use is where the mid tier’s value drops off. At 600 Moments per 8-second clip, Premium’s entire monthly allowance covers just thirteen videos. It is a single session for anyone who actually watches these. The marketing implies a companion that generates media on demand, but the Premium price pays for very little video output. Images go further at 50 Moments each, and voice calls at 50 Moments per minute add up slowly, but once video becomes a habit, $19.99 a month does not stretch as far as the marketing implies.

Ultimate’s 15,000 Moments roughly double those numbers, bringing a heavy video user to about twenty-six clips a month. That is still modest for the $39.99 rate, and it is why the Ultimate cost only makes sense for someone who values the memory editing feature and the 100% context boost more than raw media volume.

Is Secrets AI Safe? Privacy, Content Rules, and Encryption Claims

The safety question has two parts: what the platform allows onto it, and what it does with the data users generate. Both sides have clear, documented answers, and they do not always line up the way the marketing suggests.

The Content Rules

Secrets AI’s safety model is built on a hard restriction: users cannot upload files or images at all. Everything a character says or shows is AI-generated, which the privacy policy states in its own words. There is no way to feed the platform a photo, a document, or any other file, which removes an entire category of abuse by design.

The character rules are just as strict:

• Real-person characters are strictly forbidden, meaning no one can build a companion modeled on a living individual
• Custom characters accept ages 18 to 99 only, with no exceptions below that floor
• Every catalogue card shows a stated age, and the minimum across the entire catalogue is 18
• The underage policy commits to reporting to the National Center for Missing and Exploited Children (NCMEC)
• The public age gate is a click-through 18+ modal before anyone reaches the platform

Those restrictions matter because they are built into the system. A platform that cannot accept uploads and refuses real-person characters has fewer openings for the kinds of abuse common on looser services.

Privacy and Encryption

The Secrets AI privacy picture is where the caveats start. The homepage claims end-to-end encryption, but the privacy policy itself claims only encryption in transit and at rest. Those are different standards, and the policy is the binding document. Anyone evaluating Secrets AI encryption should read the policy, not the marketing page.

The storage and training practices deserve equal weight:

• Chats are stored and used to train the vendor’s models
• Voice call audio is transcribed and then immediately deleted, with only the transcript kept
• Deletion removes chats and personal data immediately
• Signup requires only an email address, with no other personal information demanded

The voice call handling is the most careful detail here. Deleting the audio the moment a call ends while keeping only the transcript is a deliberate privacy choice, and it is more conservative than several competitors that retain full recordings.

Weighing the two halves, the safety measures are strong. The no-upload rule, the age floors, the NCMEC commitment, and the immediate deletion on account removal all point to a platform that has considered its risks. The encryption discrepancy is the one real tension. A homepage claim that overstates what the policy promises is the kind of gap a careful user should notice. For anyone asking “is Secrets AI safe,” the honest answer is that the content rules are among the tightest in the category, while the privacy policy relies on users reading the policy rather than the headlines. The platform is safe in the ways it controls, and less certain in the ways it markets.

Who Owns Secrets AI and What You Agree To

Secrets AI is owned by Secret Labs Inc., a British Columbia company registered as BC1476764. It was incorporated in April 2024 and also maintains a Delaware registration, both checked against two government registries in August 2026. The company has no public product history before the platform went live around the start of 2025, which makes it a young operation with a clean record.

The Secrets AI terms are governed by British Columbia law, which matters for anyone outside Canada who assumes their local jurisdiction applies. Disputes go to individual arbitration with class-action and jury-trial waivers, so collective legal action is not available. The Dover address in the site footer is a registered agent’s office, not a physical company location. Anyone trying to visit or send mail there should not expect a reception desk.

Payment and Refund Rules

The refund policy is where the fine print deserves the most attention. The rules are straightforward but strict:

• Used periods are non-refundable, so canceling halfway through a month does not recover the remaining days
• The EU/UK 14-day withdrawal right covers the initial purchase only, not renewals
• Crypto payments are never refundable under any circumstances
• Broken generations are refundable in Moments rather than cash
• Accepted cards are Visa, Mastercard, and Discover, with no Amex support
• The card statement reads “S LABS INC” with no mention of Secrets, which can confuse anyone reviewing their charges

The Moments refund for broken generations is the most forgiving element here, but it is also the most limited. A failed image or video earns credit toward future generations, not money back, which means the vendor keeps the payment either way.

Support and Reputation

Support runs through Discord tickets and email. There is no help desk. That arrangement has produced the loudest complaint in user reviews: a ticket that was deleted after 36 hours unanswered, leaving the user with no record of the request and no response. One Ultimate subscriber who pressed complaints was banned outright, though the ban came with a full refund, a detail confirmed in the company’s own reply.

Trustpilot shows 4.4 stars from 189 reviews as of August 2026, which reads well on the surface. The caveat is that the profile is claimed, paid for, and actively invites reviews, a combination that skews results positive. The praise themes that do surface are consistent: realistic conversation, strong memory recall, and solid image and video quality. Support complaints balance the picture, and they are specific enough that anyone who expects fast, reliable help should set that expectation low.

Is Secrets AI Worth It? Our Verdict

The Secrets AI verdict comes down to one question: does the user chat more than they generate media? For someone who wants deep, consistent conversation with characters, the platform delivers well. For someone who mostly wants a steady stream of images and videos, the Moments math works against them from the start.

Secrets AI is not a scam. The chat, image, video, and voice features all function as advertised, and the platform has a clean record across registries and breach databases. But the value it offers is heavily weighted toward conversation. Chat quality is the strongest feature: users consistently describe replies as natural and warm, with near-instant response times and characters that hold onto details across sessions. On Premium and Ultimate, the amplified memory access makes that continuity noticeably stronger, which matches the marketing and user reviews.

The praise themes in the reviews back this up. Realistic conversation, memory recall, and image and video quality are the consistent positives, and those align with what the platform actually does well. The weaker spots are the occasional memory gaps during peak hours and the fact that the media output trails competitors like Candy AI on visual polish. None of that makes Secrets AI a bad product. It makes it a specialized one.

The true cost is where the platform’s marketing is misleading. The doubled discount anchors make the real price easy to misread, and the Moments system adds another layer of complexity. The honest numbers are straightforward: Premium costs $19.99 a month, and the real annual saving is 54% against the monthly rate. Anyone who keeps those two figures in mind when looking at the store will not be misled by the badges.

HushVerified’s review at hushverified.com applies the same standard used throughout this piece: verified user reviews, explicit true costs, and a plain verdict on whether the subscription is worth it. The bottom line is that Secrets AI is worth the price for conversation-focused users who value character continuity and are willing to pay for memory depth. For media-heavy users, the Moments economy makes the subscription hard to justify, and the $19.99 monthly rate buys very little video output. It is a real product with a real strength. Whether it is worth it depends entirely on how the user plans to spend their time on it.