Effective At: October 17, 2025
Last Updated: October 17, 2025
Welcome to Secret Chat. These Terms of Service ("Terms") govern your access to and use of the Secret Chat platform, website, and services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use the Service.
1. About Secret Chat
Secret Chat is a privacy-first AI chat platform that provides you with access to multiple third-party Large Language Models (LLMs), including but not limited to GPT, Claude, Grok, Gemini, Deepseek, and Venice. We act solely as an interface and secure gateway to these external AI providers. All conversations, projects, and data you create are stored locally in your browser, not on our servers.
2. Acceptance of Terms
By creating a private key, purchasing credits, or otherwise using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
3. Eligibility
You must be at least 18 years old to use the Service. If you are under 18, you must have your parent or legal guardian's permission to use the Service. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
4. Your Account and Private Key
4.1 No traditional account required
Secret Chat allows you to use the Service without creating a traditional user account. Instead, access is granted via a private key that you generate or receive when purchasing credits.
4.2 Your responsibility for the private key
You are solely responsible for safeguarding your private key. Your private key is the only means of accessing your purchased credits. We do not store your private key on our servers, and we cannot recover it if you lose it. If your private key is lost, stolen, or compromised, you will permanently lose access to your credits, and we cannot provide refunds or replacements.
4.3 Security best practices
You agree to:
- Store your private key securely and not share it with others.
- Immediately discontinue use of a private key if you believe it has been compromised.
- Understand that anyone with access to your private key can use your credits.
5. How the Service Works
5.1 Local data storage
All conversations, chat threads, projects, and files you create or upload are stored exclusively in your browser's local storage (e.g., localStorage or IndexedDB). We do not have access to this data, and we do not store it on our servers. If you clear your browser cache, uninstall your browser, or switch devices, you may lose your locally stored data unless you have backed it up.
5.2 Third-party AI providers
When you submit a prompt, we transmit it to the selected third-party AI model provider (such as OpenAI, Anthropic, xAI, Google, or others) via their API. We do this on your behalf using secure, stateless connections. We do not read, log, or store the content of your prompts or the AI's responses on our servers.
5.3 Session privacy reports
For each AI response, we provide a Session Privacy Report that documents the data retention policies of the underlying model provider. This report is generated based on the provider's publicly stated terms and our API agreements with them. While we make every effort to ensure accuracy, you acknowledge that these reports rely on third-party representations.
5.4 Metadata removal
When you upload images or PDF files, we automatically strip identifying metadata before processing. However, you remain responsible for reviewing the content of any files you upload to ensure they do not contain sensitive information you do not wish to share with the AI model provider.
5.5 Third-party services
Our Service may include third-party software, products, or services ("Third Party Services"), and some parts of our Service may include output from those services ("Third Party Output"). Third Party Services and Third Party Output are subject to their own terms, and we are not responsible for them.
5.6 Software and updates
Our Service may allow you to download software, such as mobile applications, which may update automatically to ensure you're using the latest version. Our software may include open source software that is governed by its own licenses that we have made available to you.
6. Content
6.1 Your content
You may provide input to the Service ("Input") and receive output from the Service based on the Input provided ("Output"). Input and Output are collectively known as "Content." You are responsible for your Input, including ensuring that it does not violate any applicable law or these Terms. You represent and warrant that you have all rights, licenses, and permissions needed to provide Input to our Service.
6.2 Ownership of content
As between you and Secret Chat, and to the extent permitted by applicable law, you (a) retain your ownership rights in your Input and (b) own your Output. We hereby assign to you all our right, title, and interest, if any, in and to Output.
6.3 AI-generated content
The Output from the Service is generated using open-source and proprietary Large Language Models, which may have been developed and published by individual companies or communities of developers and researchers. Secret Chat does not control, direct, or endorse the content generated by these models, and is not responsible for their accuracy, completeness, or suitability for any purpose. Secret Chat is merely a conduit for access to these models, and the content generated by them is the sole responsibility of the model developers and the users who interact with them.
By using the Service, you acknowledge that Secret Chat is not responsible for the content generated by the AI models, and that you use such content at your own risk. Some AI providers may have restrictions on commercial use or other limitations on AI-Generated Content. You are responsible for reviewing and complying with the terms of service of the specific AI model you use.
6.4 Similarity of content
Due to the nature of our Service and artificial intelligence generally, Output may not be unique and other users may receive similar Output from our Service. Our assignment of rights to you does not extend to other users' Output or any Third Party Output.
6.5 Accuracy of content
Large Language Models and generative artificial intelligence generally are rapidly evolving, and Large Language Models are not truth machines. Given the probabilistic nature of machine learning, use of our Service may result in Output that does not accurately reflect real people, places, or facts. You should not rely on the Output as a sole source of truth or factual information.
AI models can produce inaccurate information, exhibit biases, and generate content that is offensive, inappropriate, or factually incorrect (commonly known as "hallucinations"). When you use our Service, you understand and agree that the Output may not always be accurate. You should always evaluate Output for accuracy and appropriateness for your use case, including using human review, before using or sharing Output from the Service.
You must not use any Output relating to a person for any purpose that could have a legal or material impact on that person, such as making credit, educational, employment, housing, insurance, legal, medical, or other important decisions about them.
Our Service may provide incomplete, incorrect, or offensive Output that does not represent Secret Chat's views. If Output references any third-party products or services, it does not mean the third party endorses or is affiliated with Secret Chat.
6.6 Sharing of content
When you share Output publicly, you are responsible for any potential copyright considerations within your created content, including ensuring that the content does not infringe on the copyrights of others. Secret Chat uses third-party models and does not own or create these models. Therefore, Secret Chat is not responsible for any copyright oversight or issues that may arise from the use of these models.
7. Acceptable Use Policy
We believe you should have the flexibility to use our Service as you see fit, so long as your use does not harm yourself or others. You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service to:
- Violate any local, state, national, or international law or regulation.
- Generate, distribute, or store content depicting or intended to depict minors (under 18) in a mature, sexualized, or exploitative context, including child sexual abuse material (CSAM) or child exploitation in any form.
- Engage in or promote terrorism, violent extremism, or credible threats of violence against individuals or groups.
- Harass, threaten, defame, bully, or violate the legal rights (including privacy and publicity rights) of others.
- Repurpose or distribute Output from our Service to harm others, including but not limited to sharing Output to defraud, scam, or promote violence or sexual crimes against anyone.
- Harm yourself or others, including but not limited to promoting suicide or self-harm, developing or using weapons, injuring others, or destroying property.
- Compromise the privacy of others, or engage in any harmful or abusive activity that violates anyone's natural rights.
- Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity.
- Attempt to gain unauthorized access to the Service, other users' accounts or private keys, or any systems or networks connected to the Service.
- Interfere with or disrupt the Service or servers or networks connected to the Service, including circumventing usage limits.
- Use the Service to generate spam, phishing attempts, or other malicious content.
- Reverse engineer, decompile, or attempt to extract the source code of the Service.
Violation of this Acceptable Use Policy may result in immediate suspension or termination of your access to the Service without refund. We cannot foresee all abusive uses of our Service, and our policies will evolve based on identification of new abuse trends.
8. Credits and Payment
8.1 Purchasing credits
Access to the AI models requires credits, which you can obtain by subscribing to our Patreon page. Upon subscribing to a paid tier, we will manually send you an access code (Pro code) each month. All payments are processed securely by Patreon, and we do not store your payment information on our servers. Delivery of access codes may take up to 24-48 hours after your subscription is confirmed.
8.2 Non-refundable
All credit purchases are final and non-refundable, except as required by law. Once credits are issued to your private key, they cannot be transferred, exchanged for cash, or refunded.
8.3 Credit usage
Credits are consumed based on your usage of the AI models. Different models and features (such as image generation or file processing) may consume credits at different rates. You can view your credit balance within the Service.
8.4 Expiration
Credits do not expire unless otherwise stated at the time of purchase or required by law in your jurisdiction.
9. Intellectual Property
9.1 Ownership of the service
Secret Chat, including its software, design, trademarks, logos, and all related intellectual property, is owned by Opossum DOO (Montenegro) or its licensors. These Terms do not grant you any ownership rights to the Service.
9.2 License to use your content
You retain all rights to the text, images, and other content you input into the Service. By using the Service, you grant us a limited, non-exclusive license to transmit your content to third-party AI providers solely for the purpose of generating responses.
10. Third-Party Services and Links
The Service integrates with and links to third-party AI model providers and other external services. We are not responsible for the content, privacy practices, or terms of service of these third parties. Your use of third-party services is governed by their respective terms and policies. We encourage you to review them.
11. Disclaimers and Limitations of Liability
11.1 No warranties
THE SERVICE IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, TITLE, NON-INFRINGEMENT, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF ANY COURSE OF DEALING OR TRADING USAGE.
We do not warrant that:
- The Service will be uninterrupted, secure, or error-free.
- The results obtained from the Service will be accurate, complete, or reliable.
- Any content will be secure or not lost or altered.
- Any errors in the Service will be corrected.
11.2 No professional advice
THE AI-GENERATED CONTENT IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE LEGAL, FINANCIAL, MEDICAL, THERAPEUTIC, OR OTHER PROFESSIONAL ADVICE. You should consult with a qualified professional for advice specific to your situation. You accept and agree that any use of the outputs from our Service is at your own sole risk and you will not rely on Output as a sole source of truth or factual information, or as a substitute for professional advice.
11.3 Limitation of liability
Provided that we have acted with professional diligence, we do not take responsibility for loss or damage caused by us, unless it is caused by our breach of these Terms or reasonably foreseeable at the time of entering into these Terms.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPOSSUM DOO (MONTENEGRO), ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS, AND DISTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, REVENUE, DATA, OR OTHER LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATED TO THE SERVICE EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.
Opossum DOO (Montenegro)'s affiliates, suppliers, licensors, and distributors are intended third-party beneficiaries of this section.
12. Indemnification
You agree to indemnify, defend, and hold harmless Opossum DOO (Montenegro), its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
- Your use of the Service.
- Your violation of these Terms.
- Your violation of any rights of another person or entity.
- Any content you submit, upload, or generate using the Service.
13. Termination
13.1 Termination by you
You may stop using the Service at any time. Because all data is stored locally in your browser, simply ceasing to use the Service effectively terminates your use. Deleting your browser data will remove all locally stored conversations and projects.
13.2 Termination by us
We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to:
- Violation of these Terms or our Acceptable Use Policy.
- Fraudulent, abusive, or illegal activity.
- Non-payment or chargebacks.
Upon termination, your right to use the Service will immediately cease. Termination does not entitle you to a refund of any unused credits.
13.3 Effect of termination
Upon termination, all provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
14. Changes to These Terms
We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms on our website and updating the "Last Updated" date at the top of this document. Your continued use of the Service after such changes constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Montenegro. Any disputes will be resolved in accordance with Montenegrin law.
16. Miscellaneous
16.1 Entire agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Opossum DOO (Montenegro) regarding the Service and supersede all prior agreements and understandings.
16.2 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
16.3 Waiver
Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
16.4 Assignment
You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign these Terms without restriction.
16.5 No agency
Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Opossum DOO (Montenegro).
17. Contact Us
If you have any questions about these Terms, please contact us at:
Opossum DOO
Email: info@secret-chat.ai
Address: Herceg-Novi, Montenegro
By using Secret Chat, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.