What is the “S LABS INC.” charge on your card?
The short answer
A charge reading S LABS INC. is from Secrets AI (secrets.ai), an AI companion app run by Secret Labs Inc., a Delaware company. The descriptor is deliberately generic — it names the operating company, not the product — which is why it looks unfamiliar on a statement.
The amount tells you which plan it is. $110.04 is a year of Premium billed up front ($9.17/mo × 12). $19.99 is one month of Premium. $320.04 is a year of Ultimate, and $39.99 is a month of it. Anything smaller is almost certainly a 'Moments' top-up — the token currency that meters image and video generation on top of the subscription.
The annual plans bill the full year in one charge on day one. A $110.04 line the day after signing up for what looked like '$9.17/mo' is the expected behaviour, not an error.
✓ Verified first-hand: Secrets states this descriptor on its own subscription page — we read it there first-hand on 2026-07-27, along with the company name and Delaware address in the site footer.
Also appears as: S LABS INC · SLABS INC · S LABS INC DOVER DE · S LABS
The app behind this charge
Secrets AI
4.1Operator: Secret Labs Inc., 8 The Green Ste D, Dover, DE 19901, United States
How to stop the charge
- Log in at secrets.ai → account/subscription settings → cancel. Cancelling stops the next renewal; it does not refund the current term.
- Screenshot the cancellation confirmation and keep it until the renewal date passes.
- Check separately for 'Moments' token purchases — those are one-off buys, not part of the subscription, and cancelling the plan does not reverse them.
- If you never signed up and don't recognise the charge at all, dispute it with your bank citing the exact descriptor and the Dover, DE operator name.
Refund reality
Secrets publishes no general refund guarantee we could verify, and the annual plan takes the full year up front — so the practical exposure on an accidental annual signup is the whole $110.04, not one month. Cancel to stop the renewal, and treat a refund as a request rather than a right. If the charge is genuinely unrecognised, the bank dispute path is more reliable than support.
Didn't sign up for anything?
First check whether someone in your household did — discreet descriptors exist precisely so subscriptions aren't obvious on a shared statement. If you're confident nobody did, treat it as an unauthorized charge: dispute it with your bank citing the exact descriptor, ask them to block the merchant, and replace the card if you don't recognize how it was obtained.
Descriptors confuse because app names, company names, and billing entities rarely match — our ownership map shows who actually runs which apps, and the real-cost table decodes what each one genuinely charges.