Is Naughty Chats Safe? (2026 Review)

The short answer

Use Naughty Chats with caution. The biggest problem is that nobody is named as the operator. Its terms, privacy and safety pages name no company or country, so you don’t know who holds your chats or which country’s law applies. The privacy policy is detailed and frank about the second problem: outside the EU and EEA, the UK and Switzerland, the site makes session recordings that include your chats and what you type. On the plus side, the policy says the AI providers that write the replies must not keep your messages or train on them, you can export your data and delete your account, and Naughty Chats has no entry on HaveIBeenPwned as of 7 November 2026.

Naughty Chats switched Premium on for our account in October 2026. We tested it on 19 and 23 October and again on 1 November 2026, and read the pricing page, terms, privacy policy and safety page. We didn’t pay for anything. We joined Naughty Chats’ affiliate program on 30 October, after the October tests.

What data does Naughty Chats collect?

You need an account to chat, and you can sign up with Google or Discord as well as email. Each character keeps a memory list in the sidebar, headed “What Sadie remembers” in our chat, and you can edit, delete or add items. It can hold things you never said. One item on our list, “Alex is a regular at a coffee shop and orders oat lattes”, came from the character’s setup and was saved as a fact about us.

The analytics are the part many readers will dislike. Outside the EU and EEA, the UK and Switzerland, the site records sessions, and per the policy “Recordings show pages as you see them, including your chats, photos, memories and account details, and what you type, except passwords.” When you’re signed in, the analytics are linked to your account ID and email address. You can turn analytics and recordings off on a device by adding “?analytics=off” to the address.

Who operates the product?

Nobody is named. The terms, privacy and safety pages only say “Naughty Chats” and give [email protected] as the contact, with no company name or country. When we asked, the team told us by email that there “isn’t a US or EU company behind Naughty Chats yet”. The site has been online since October 2025.

Without a named company, you don’t know who to address a data request to or which country’s law would back it. An app that holds intimate chats should say who runs it, and Naughty Chats doesn’t.

Has Naughty Chats had a breach or incident?

Naughty Chats has no entry on HaveIBeenPwned as of 7 November 2026. A clean public record can’t prove a company was never breached, since not every incident is disclosed right away. If something did go wrong, you’d be relying on an operator you can’t identify to tell you.

Payment safety

Since 21 October 2026 you can pay by card on the site. A card plan renews: “$59.99 today, then $59.99 every year until you cancel.” The FAQ says you cancel “from your account settings in two clicks” and keep access until the end of the period. A crypto plan is “paid once” and “nothing renews”. Payments are non-refundable except where the law says otherwise. Tokens come back automatically when a photo fails, or when you paid for a message and got no reply.

On 1 November, card charges showed as “NAUGHTYCHATS.AI”. The FAQ calls that “the name of our website, with nothing about what you bought”, but anyone who reads your statement will see the site’s name. On 23 October they still showed as “NC DIGITAL”. With crypto, nothing on your bank statement points to Naughty Chats at all.

Content on your device vs on their servers

Your chats, memories and photos are on Naughty Chats’ servers, not your device. The team told us that the app runs on Google Cloud and its database on Supabase, both in Northern Virginia in the US, and that only their small team can access the data. That comes from an email by an unnamed operator, and their own pages don’t say it.

You can clear a chat and keep the memories with “Start over (keep memories)”, or delete both. The account page has buttons to export your data and to delete your account. Deleting doesn’t remove everything: the privacy policy says they keep your email address and the dates your account was created and deleted, along with billing records, which for cards include the brand and the last four digits.

Does Naughty Chats use your chats for training?

The policy says the AI providers that write the replies must not keep your messages or train on them. It doesn’t say whether Naughty Chats trains models of its own.

Can anyone see what you’ve done?

Your photos are saved to a private gallery, which says other members can’t see them. The operator is another matter. Outside the EU and EEA, the UK and Switzerland, its session recordings show your chats as you see them and what you type, linked to your account when you’re signed in. According to the team, only their small team can access the data.

Your bank statement is the other place your use can show up: card charges carry the site’s name.

How to minimize your exposure

• Add “?analytics=off” to the address on each device you use, especially if you’re outside the EU and EEA, the UK and Switzerland
• Pay with crypto if your statement matters. Card charges show “NAUGHTYCHATS.AI”
• Sign up with a separate email address, not your main Google or Discord account. The analytics are linked to your account email
• Check the memory sidebar and edit or delete anything wrong, including items taken from the character’s setup
• Keep your real name, workplace and people you know out of the chat, since you can’t tell who is ultimately holding it
• If you leave, export your data first, then delete the account. Your email and billing records stay behind

Is Naughty Chats safer than MyLovely?

On the record, narrowly yes, which matches our privacy scores (4 against 3). MyLovely was breached in April 2026. HaveIBeenPwned lists 106,271 accounts, with email addresses and linked Discord/X usernames, and Help Net Security reports that user prompts and links to generated images were exposed. Naughty Chats has no such entry. MyLovely’s policy says your inputs and outputs are used to improve its models (EU users can opt out by email), while Naughty Chats says its AI providers must not train on your messages, though its policy doesn’t say whether Naughty Chats trains models of its own.

Where MyLovely is ahead is the operator. It names PROMPTREPUBLIC S.L. in Madrid, Spain. Naughty Chats names nobody.

Against SweetDream, which scores 5 for privacy, Naughty Chats is a step behind, mainly because SweetDream names the company behind it, Tetractys Development Ltd in London.

Our verdict

Use Naughty Chats with caution. It has no entry on HaveIBeenPwned as of 7 November 2026, the AI providers that write replies must not keep or train on your messages, you can export your data and delete your account, and crypto keeps it off your bank statement.

The caution is about the operator and the recordings. Nobody is named as the operator, so you don’t know who holds your chats or which law applies. Outside the EEA, UK and Switzerland the site records sessions, including your chats, and card charges now show the site’s name. Turn analytics off, pay with crypto and keep identifying details out of the chat, and an operator you can’t identify holds less about you.