Terms of Service

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. 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.

6. Acceptable Use Policy

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 related to 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, or violate the legal rights (including privacy and publicity rights) of others.
• 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.
• 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.

7. Credits and Payment

7.1 Purchasing credits

Access to the AI models requires credits, which you can purchase through our payment processor. All payments are processed securely by third-party payment providers (such as Stripe). We do not store your full credit card information on our servers.

7.2 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.

7.3 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.

7.4 Expiration

Credits do not expire unless otherwise stated at the time of purchase or required by law in your jurisdiction.

8. Intellectual Property

8.1 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.

8.2 Your content

You retain all rights to the text, images, and other content you input into the Service ("Your Content"). 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.

8.3 AI-generated content

You own the output generated by the AI models in response to your prompts ("AI-Generated Content"), subject to the terms and conditions of the underlying AI model providers. 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.

We make no representations or warranties regarding the originality, accuracy, or legality of AI-Generated Content. You are solely responsible for how you use, distribute, or rely upon AI-Generated Content.

9. 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.

10. Disclaimers and Limitations of Liability

10.1 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, TITLE, AND NON-INFRINGEMENT.

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 errors in the Service will be corrected.

10.2 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. Reliance on any AI-Generated Content is solely at your own risk.

10.3 AI limitations

AI models can produce inaccurate information, exhibit biases, and generate content that is offensive, inappropriate, or factually incorrect (commonly known as "hallucinations"). You are solely responsible for verifying the accuracy, appropriateness, and legality of all AI-Generated Content before using it.

10.4 Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPOSSUM DOO (MONTENEGRO), ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, 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 AMOUNT YOU PAID US IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

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.

11. 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.

12. Termination

12.1 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.

12.2 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.

12.3 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.

13. 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.

14. 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.

15. Miscellaneous

15.1 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.

15.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

15.4 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.

15.5 No agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Opossum DOO (Montenegro).

16. 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.