Is Talkie AI safe? What its policy, terms, and store labels say about your chats
The Morse teamPublished 6 min read
As of October 22, 2026, Talkie AI is safe in the sense that it's a real app from a registered company that encrypts your data in transit, but it isn't private: Talkie's own privacy policy says its operator, SUBSUP PTE. LTD., keeps your messages on its servers, uses them for "allowing your AI companion to learn from your interactions," and keeps them for as long as it judges "necessary." Talkie earns credit in one place, though. It says it will never use or disclose the content of your conversations "for marketing or advertising purposes."
We read Talkie's privacy policy and terms of service (both last updated October 21, 2025), its FAQ, its listings on the App Store and Google Play, and MiniMax's site on October 22, 2026. The top results for this question that day were Reddit threads, parent groups, and reviews. None set Talkie's own documents side by side, and those documents disagree with each other on what Talkie collects and who it's for.
Talkie AI at a glance, October 22, 2026
| Question | What Talkie's own pages say | Source |
|---|---|---|
| Who runs it? | SUBSUP PTE. LTD., a Singapore company | Privacy policy |
| What does it collect? | Account and profile details, birth date, voice and text messages, interests, purchases, device data, and general location | Privacy policy, section 1 |
| Do chats improve the AI? | Your companion learns "from your interactions to improve your conversations" | Privacy policy, section 2.2 |
| How long is data kept? | "Only as long as necessary," with no period named | Privacy policy, section 6 |
| Where is it stored? | Services "are operated from the United States of America" | Privacy policy, section 5 |
| Do advertisers see chats? | No; they get website visit data, not conversations | Privacy policy, section 3.3 |
| Minimum age | 16, with a parent's permission until 18 | Terms, section 2.3 |
| Disputes | Mediation in Singapore, then binding arbitration, no class actions | Terms, section 9 |
Who owns Talkie AI?
SUBSUP PTE. LTD. operates Talkie, and the AI company MiniMax lists it as one of its own products. Talkie's privacy policy names SUBSUP as the operator and as the "data controller" of your personal data. Its terms give a Singapore address, 20 Emerald Hill Road, for legal notices. MiniMax's home page names Talkie alongside MiniMax Code, MiniMax Design, and MiniMax Audio among "AI-native products" it has launched. The South China Morning Post described MiniMax as a Shanghai-based start-up in December 2024 (SCMP, via Yahoo). Talkie's privacy policy doesn't mention MiniMax or China.
What does Talkie collect, and does it train on your chats?
Talkie collects nearly everything you type or say, plus a profile of you. Its privacy policy lists your name, email address, and password. It may ask for your gender, pronouns, birth date, education, and work status. It collects "the messages you send and receive," voice and text. It learns your interests over time "to personalize your conversations." It logs your device, IP address, mobile carrier, and city or state.
The policy never uses the word "train." It says Talkie processes your messages for "allowing your AI companion to learn from your interactions to improve your conversations." It also lists "messages and content" among the data it aggregates and de-identifies to improve and add features. The policy offers no switch to opt out of either use.
Who can see your Talkie chats?
Talkie's FAQ says your conversation "is completely private, and no one else can see the content of your chat." The same answer adds that Talkie's AI "will automatically assess" whether you're discussing content that breaks local law. Its privacy policy names who else can receive your data:
- Service providers that run hosting, customer support, email, and analytics.
- Law enforcement and government authorities, when Talkie believes in good faith it's needed.
- A buyer or successor, in a sale, reorganization, "bankruptcy, receivership, or transition of service to another provider," a clause we unpack in what happens to your data when an AI company goes bankrupt.
The terms add that Talkie "may preserve content and may also disclose content if required to do so by law or in the good faith belief." Anything you upload carries a "transferable, sublicensable, perpetual, irrevocable license" for Talkie and its affiliates, including for "the promotion, advertising, or marketing" of the service.
Do Talkie's app store labels match its privacy policy?
No. Each store label describes far less than Talkie's privacy policy does, and the four documents give three different age answers.
| Document, read October 22, 2026 | What it says Talkie collects | Who it's for |
|---|---|---|
| Privacy policy | Account, profile, messages, voice, interests, purchases, device data, and location | Not for anyone under 16 |
| Terms of service | (not covered) | 16 and up; 16 and 17 need a parent's permission |
| Google Play data safety | "The developer says this app doesn't collect user data"; app interactions and in-app search history may be shared | Rated Teen (Google Play) |
| App Store privacy label | Identifiers used to track you, plus a user ID and device ID "not linked to you" | 18+ |
Both labels are the developer's own answers. Apple's page says its label "has not been verified by Apple." The privacy policy is the fuller account, so read it before trusting either label.
How old do you have to be to use Talkie?
That depends on which Talkie document you read. The terms say the service doesn't "address anyone under the age of 16," and that anyone 16 or 17 needs a parent or guardian's permission. The privacy policy says Talkie will "promptly block" users under 16 and delete their accounts. Apple rates the iPhone app, now called Talkie Lab, 18+ (App Store), while Google Play rates the Android app Teen (Google Play).
Does Talkie have ads and in-app purchases?
Yes, both. Google Play lists the Android app as containing ads and in-app purchases, with more than 50 million downloads (Google Play). Talkie's FAQ prices Talkie+ at $9.99 a month. Its privacy policy says sharing website visitor data with ad partners "maybe considered a 'sale'" under some state laws, and lets you opt out.
Has Talkie been removed from the App Store?
Once, in December 2024. The South China Morning Post reported that Talkie had disappeared from Apple's US App Store for unspecified "technical reasons," and quoted the Talkie team saying, "We will get it fixed soon for you" (SCMP, via Yahoo). As of October 22, 2026, the iPhone app is listed as Talkie Lab, from SUBSUP PTE. LTD., at version 2.61.601 (App Store). We found no regulator action naming Talkie that day.
How do you delete your Talkie account?
In your account settings. Talkie's privacy policy says "You can delete your account in your account settings," and its terms call this deactivating your account. Neither document says how long your messages last after you leave. Cancel Talkie+ in the App Store or Google Play first, since the terms say a subscription can only be changed where you bought it.
How Morse keeps companion chats off a company's servers
Talkie's companion "learns" from messages that SUBSUP keeps on its servers for as long as it decides, and the policy gives you no switch to stop it. Morse's Characters keeps your character chats, the characters you make, and your personas encrypted in your browser. Our servers don't keep messages, and Morse doesn't train AI on your content, sell your data, or show ads (privacy policy). Morse is for adults only, and everyone confirms they're 18 or older. Clearing your browser deletes those chats, and Morse can't recover them, so save any story you want to keep, and see how other companion apps compare in our Character AI alternatives guide.
The Free plan has no cap on character messages, so you can start free, or try a regular chat from the Morse home page without an account.
Common questions
How much does Talkie+ cost?
Talkie's FAQ lists Talkie+ at $9.99 a month, as of October 22, 2026. Its terms say the subscription renews automatically, can only be cancelled through the app store you bought it from, and gives no refund for a partial month.
Can I get a refund for money I spend in Talkie?
Usually not. Talkie's FAQ says recharge funds "do not support refunds in most cases," with exceptions for duplicate charges and failed recharges, and its terms say fees are non-refundable to the fullest extent the law allows.
Can I opt out of Talkie's arbitration clause?
Yes, but only within 30 days of first agreeing to the terms. Talkie's terms say you opt out by sending your name, address, username, and the email or phone number on your account, with a clear statement that you're opting out.
Does Talkie work in a web browser?
Yes. Talkie's terms cover its website at talkie-ai.com as well as its iOS and Android apps, and its privacy policy says your Talkie history syncs across the devices you use.