Secrets AI Review 2026: discreet down to the card statement, and you pay in Moments

Secrets AI review: three scenes and the test at the memory panel

For this Secrets AI review I used two characters: a mercenary I built myself with a clipped way of speaking, and a finished character from the library. The same three scenes, the same questions after seven days, and for the first time in this field the option of looking up, after the check, what the character had actually stored.

The tavern: a calm start, a clean rhythm

Scene one is open: my player character walks into an inn, knows nobody, has no goal. The mercenary did not ask how I was doing. She made a remark about the rain outside and then waited. That waiting is exactly what separates a usable character from a questionnaire.

On request the chat switches between short messages and paragraphs with description. I started with paragraphs and moved to short lines after ten minutes, when the scene needed pace. Both held without me having to repeat the instruction.

The interrogation: eleven messages until the lie falls

Scene two is the stress test. The character has to hold a lie while my player character pushes. The mercenary fought back for eleven messages, first by dodging, then by counterattacking, and caved once I had a contradiction with her own statement from scene one in hand.

What stood out: the spice level changes not just how explicit things get, but how sharp the character is. On Mild she was more polite and gave in sooner; on Medium she played the pressure back at me. The third level is meant for adult content; a hard interrogation runs fine on the middle one. I did not see a single canned deflection sentence, the kind I know from filtered apps, in either run.

The quiet evening and the memory check after seven days

Scene three has no plot, only two characters and time. This is where you notice most clearly whether there is a personality behind the replies. My character told me about an old scar, pressed three times when I answered briefly, and when I went silent she sometimes stayed quiet too.

After a seven-day break I asked, with no keyword, about five details: the name of a side character, the place, the reason for the argument, the weather and my own plan. Four came back. The fifth, the weather, was missing, and in the memory panel it sat there as LOW. I dragged it to HIGH, repeated the question, and after that it stuck. That is the difference between an app that forgets and an app where I can repair the forgetting.

My conclusion from the three scenes: as a tool for an ongoing story, this platform is stronger than its price suggests, and the panel replaces part of the notes I have to keep by hand at Joi AI. It still does not reach the memory of Nomi AI.

Secrets AI pricing: what the subscription and Moments add up to

The price question has two levels here, and anyone who only looks at the first one gets the math wrong. Level one is the subscription, level two the credit called Moments.

The plans at a glance

The jump from monthly to yearly cuts the price by more than half, which is better than most competitors manage. In exchange the entry point is harsh: the legacy Lite tier at $5.99 and Plus at $9.99 are gone according to the wiki, existing members get moved to Premium at the next renewal, with at least 14 days’ warning and the option of canceling first. Every recommendation for the nine-dollar tier you may still read somewhere describes an offer that no longer exists.

What each action costs in Moments

Every reference shot beyond the first costs 10 Moments extra, regenerating a look 100 for four proposals, an extra persona image 150. In practice you mix, and video ends your month early: two clips a week is 4,800 Moments before the first image exists. My own Premium month ended with an empty allowance and a small top-up.

The rule that actually hurts

The allowance resets to the plan value at renewal. Unused Moments do not travel into the next month, so your balance can drop on renewal day. Purchased Moments, by contrast, do not expire, and anyone who moves up mid-month from a monthly plan gets the unused allowance converted into credit that never expires. That exception is generous; the basic rule is not.

My real monthly figure: with three scene evenings a week, pure text and the yearly plan, I land at about $9.17. With one image an evening it stays there, because 8,000 Moments cover that. With two clips a week the bill lands at roughly $30 a month, and therefore above what I noted for image platforms in my ranking of AI character apps.

Secrets AI experience with images, videos and Shorts

This is where the money goes, and this is where the platform is technically strongest. The changelog shows a new image model for the advanced mode in July 2026, second-generation characters that only generate there, and a studio that bundles images and clips on one page.

Two image modes, and why only one is any good

Standard mode takes comma-separated keywords up to 1,000 characters and delivers what the wiki itself soberly calls “good.” Advanced mode takes a scene description in ordinary sentences up to 2,000 characters, up to five reference shots from your gallery, five aspect ratios and the resolutions 1K, 1.5K and 2K; 4K is listed as announced.

The difference in my Secrets AI experience is obvious: in advanced mode the same character looked like the same person across more than a dozen images, in standard mode she did not. On top come batches of up to eight images at once, templates for clothing, action and location, and group images with up to three characters that the platform picks out of the conversation history. The most common complaint on Trustpilot is deformed hands and poses that ignore the prompt; that happened to me more often in standard mode than in advanced.

Clips: short, expensive, surprisingly patiently documented

Video requires a paid subscription and always starts from a generated image. The advanced model comes as a quality variant from 480p to 4K with 4 to 15 seconds and sound always on, and as a fast variant up to 720p, each with control over the first and last frame. Adult mode is fixed at 720p, 8 seconds, no sound, 600 Moments.

The prompt guide in the wiki is more honest than most: more than one camera move per shot stutters, and 50 to 200 words about motion beat another description of the scene. For me a clip took a few minutes, and an independent tester puts the success rate at around 70 percent. The fact that failed attempts are refunded automatically takes the edge off the annoyance.

Shorts and voice calls as line items in your budget

Shorts are short serial episodes with the platform’s characters, available since August 12, 2026 and refreshed weekly. The first episodes run free, later ones unlock in order with Moments, and the dialog names the cost beforehand. It is entertaining, and it is one more drain on the same allowance that pays for your images; I found no wiki entry with prices per episode.

Voice calls cost 50 Moments a minute, run in more than 70 languages and work in groups as a test feature at the same rate. The audio is transcribed in real time and then deleted, according to both the wiki and the privacy policy, with only the text staying for the memory. Ten minutes on a call is 500 Moments, a sixteenth of the Premium allowance. As the high point of a session that is worth it; as a habit it is not.

Is Secrets AI safe? Discretion, the company and privacy

The question of whether Secrets AI is safe splits in two: what does the provider know about you, and what do the people around you know? On the second part this platform is the best in my field; on the first it is solid with one clear gap.

Company, rules and age control

The service is run by Secret Labs Inc. of Dover, Delaware; the terms of service mention registration in both Canada and the United States. Disputes go through arbitration on an individual basis. Characters modeled on real people get deleted with no refund, and the terms invoke an exemption under 18 U.S.C. §2257 on the grounds that no real humans are depicted.

The age limit is 18 and gets asked with a checkbox, not an ID. Automated checks block content involving minors, self-harm and violence, and a stopped request costs no Moments. If you want a field with stricter filtering, the tamer apps are in my overview of Character.AI alternatives.

What the privacy policy actually says

The policy is dated April 10, 2026 and is unusually concrete. Section two names AES-256 for stored data, TLS from version 1.2 in transit, role-based access and ongoing monitoring of that access. Section three says chat text can be stored and processed, that you cannot upload files or images because all media is generated, and that call audio is deleted immediately and permanently after transcription.

Section four is the gap. It lists training and improving the company’s own AI models as a purpose of processing, and I found no opt-out switch in the settings or in the wiki. Some third-party reviews describe a private mode per conversation; it does not appear on any official page, so I treat it as unconfirmed.

Section seven, on the other hand, is the strongest part: personal data and chat history are deleted immediately when you delete your account, payment records kept for seven years and anonymized where possible, security logs for up to twelve months and with no personal reference. Deletion requests go to the support address, users in the EU and the UK have their GDPR rights, and changes to the policy are announced 14 days in advance.

Discretion in practice

Three things make the difference when somebody else has access to your inbox or your statement. First, signup with no name, using a throwaway address. Second, the descriptor S LABS INC, named identically in the wiki and the privacy policy. Third, the payment routes: Visa, Mastercard and Discover, crypto through a processor with a $20 minimum, or prepaid keys over three or twelve months that do not renew and cannot extend an active subscription.

On top of that, there is no store app to appear in your purchase history. For the 7 on privacy that is enough; for more, the missing pieces are an objection to training and a real age check.

Using Secrets AI day to day: login, browser app and canceling

Finally, the practical moves I get asked about most, usually by someone who has just hit the Secrets AI login and found an English-only interface sitting on top of a platform they expected to behave like an app.

Signup, language and setup

You sign up with an email, a username and a password, optionally with a Google or Apple account. The interface is English, but the characters answer in whatever language you write in, and for voice calls the wiki names more than 70 supported languages. For my three scenes I played in two languages across the two weeks; the tone survived, and only with wordplay does the character occasionally fall back into English.

There is no store app, and the wiki explicitly warns that identically named apps do not belong to the platform. You install from the browser: on iPhone via the share menu and “Add to Home Screen” from iOS 16.4 on, on Android through the Chrome menu, on the desktop via the install icon. Allow notifications and you get 25 Moments once.

Canceling, deleting and what stays afterward

Canceling takes three steps: settings, subscription management, cancel, with a short question about why. Access runs to the end of the period you paid for, your Moments balance stays usable until then, and chats, memories and generated files survive afterward on the free plan. For discretion that cuts both ways: nothing is deleted until you delete the account yourself, and that function also ends active subscriptions.

Refunds, as a rule, do not happen. Partial days are lost, Moments purchases are final, and only in the EU and the UK is there a 14-day right of withdrawal with a pro-rated deduction. An independent tester describes a longer cancellation flow with a countdown; for me the three steps ran exactly as the wiki describes. I still cancel a few days before renewal rather than on the day itself.

My advice for the first week

Put one evening’s 20 free messages into a single scene instead of spreading them across the day, then look at the memory panel: what sits in there tells you more about the platform than any plan page. If the tone fits, take a month of Premium, generate only images in the first week and deliberately leave clips alone until you know your consumption.

And keep your character sheet in a file of your own, the way I have done since my years as a forum moderator. Then you can carry the same character into another app tomorrow without reinventing her; which fields you need for that is in my guide to creating your own AI character.