Is Talkie AI safe? Its age rules, privacy terms and the laws that may apply

The short answer

Whether Talkie is safe depends on who is using it and what they share. As of October 21, 2026, Talkie's terms allow users from age 14 in the U.S., and its terms, privacy policy, FAQ and community guidelines do not describe an age-verification step, a separate teen experience, parental controls or crisis-hotline features.

Its rules ban explicit sexual content and content that promotes suicide or self-harm. Its privacy policy says Talkie collects chat messages, including voice messages, and says it will never use conversation content for marketing or advertising.

We found no FTC, state attorney general or other U.S. regulator action naming Talkie or its operator.

Who runs Talkie

Talkie's privacy policy names SUBSUP PTE. LTD. as the operator of the Talkie mobile and web apps, with a data protection contact address in Singapore. Its Google Play listing names the same company as the developer.

The Talkie website says it is powered by MiniMax, and MiniMax's own website lists Talkie among its AI products. Talkie's terms say they are governed by the laws of Singapore if their arbitration provisions cannot be enforced.

Who can use it and how age is handled

As of October 21, 2026, Talkie's terms (updated April 23, 2025) set a minimum age of 14, or higher where local law requires it. The terms list 16 for countries including Germany, Brazil, Ireland, the Netherlands and Singapore, and 15 for countries including France and Denmark.

Its privacy policy says the service is not intended for anyone under 14 or the local minimum age, and that Talkie will restrict access and delete the account if it learns an underage person is using the apps. Neither document describes how Talkie checks a user's age, and we found no teen mode or parental controls on its site.

On Google Play in the U.S., the Talkie: Creative AI Community app is rated Teen, with notes for sexual themes, user interaction and in-app purchases. On Apple's U.S. App Store, SUBSUP PTE. LTD. lists a separate app, Talkie Lab - AI Playground, rated 18+. As of October 29, 2026, that listing names Age Assurance and Parental Controls among the app's in-app controls but does not describe them, and we did not find a Talkie page explaining either feature.

What its rules prohibit

Talkie's community guidelines (last updated January 24, 2025) say content is monitored by a mix of human oversight and AI, and that Talkie may remove content and suspend or terminate accounts that repeatedly break the rules.

• Explicit sexual content, and content with suggestive or implied sexual undertones.
• Content that exploits or sexualizes minors, whether the minor is a human user or a fictional character.
• Content that promotes, glorifies or gives instructions for suicide or self-harm.
• Material that incites violence, graphic content meant to shock, and hate speech or discriminatory content.

Crisis support and accuracy

Talkie's FAQ says characters are AI-generated and are not controlled by real people. It says replies may be inaccurate and that users should seek professional advice for serious matters.

As of October 21, 2026, Talkie's community guidelines and FAQ do not mention crisis hotlines or a self-harm warning feature. Its terms say outputs may contain inaccuracies or errors.

Privacy: what Talkie collects and shares

Talkie's privacy policy (updated December 9, 2025) lists the following among the data it collects: account details, birth date, the text and voice messages users send and receive, device and network information including IP address, and general location.

The policy says chat content is used to let the chatbot learn from a user's interactions to improve conversations. It also says Talkie will never use or disclose conversation content for marketing or advertising. The policy does not say whether staff can read individual chats; the FAQ says conversations are kept private and that content is filtered automatically.

Talkie shares information about website visitors, such as links clicked and pages visited, with advertising companies for interest-based ads, and says this may count as a sale or sharing of personal information. It says those partners never get access to conversations. Users can opt out through the Your Privacy Choices link in the site footer, and the policy says Talkie honors Global Privacy Control signals.

Where your data goes

The privacy policy says Talkie's services are operated from the United States and that information users provide may be transferred to, stored and processed in the U.S.

A section for Singapore users says Talkie generally does not transfer personal data outside Singapore, but may transfer it to affiliates or third parties outside Singapore with protections comparable to Singapore law. The policy does not name MiniMax as a recipient of user data.

How to delete your account and data

Talkie's privacy policy says users can delete their account in account settings. The website also has a Delete Account page with a Deactivate Account button and an Export Data page.

The Delete Account page says personal information and data tied to the account, including conversation records, will be permanently deleted and cannot be recovered. It says users give up ownership of characters they created, and the creator is then shown as Null. Other privacy requests, such as access or correction, go to feedback@subsup.com.

Regulator and attorney general actions

As of October 21, 2026, we found no FTC, state attorney general or other U.S. regulator action naming Talkie or SUBSUP PTE. LTD.

Talkie was not among the seven companies that received FTC 6(b) orders on companion chatbots in September 2025, and it was not among the 13 companies that 44 state attorneys general wrote to about children's safety in August 2025.

Which laws may apply

No law names Talkie, and whether it is a companion chatbot under a particular state law is a legal question. Two state laws set duties for companion chatbot operators:

• California SB 243, in effect since January 1, 2026: operators must have a protocol for handling suicidal ideation, suicide and self-harm that points users to crisis services, and must disclose that companion chatbots may not be suitable for some minors. A person injured by a violation can sue.
• New York's AI companion law: operators must have a protocol that makes reasonable efforts to detect and address suicidal ideation or self-harm and refer users to crisis services such as 988. They must tell users they are not talking to a human at the start of an interaction and at least every three hours during continuing interactions.

We are not saying Talkie is covered by, or out of compliance with, any of these laws. It may have practices it has not published, and whether a law applies to it is a legal question this guide does not decide.