Your data
Assume everything you type into any AI service is stored somewhere. The questions worth asking are who can see it, how long it is kept, whether you can delete it, and whether the company would survive being breached with your conversations in it.
Concretely, before you get attached to a platform: find the privacy policy, find the delete-my-account path, and check whether the service publishes anything about retention. If any of those three takes more than five minutes to locate, that is your answer.
Your money and your billing statement
Adult subscriptions appear on statements, and how they appear varies by processor. Check what descriptor a service bills under before you subscribe if that matters to you. Also check whether cancelling is a button or an email, because that difference tells you what kind of operation it is.
You
The genuine risk with companions is not that the AI does something to you, it is substitution. Added to a life, a companion is entertainment or company. Substituted for one, it can quietly make the harder work of human contact feel less necessary.
The signals worth watching in yourself are ordinary ones: cancelling plans you would have wanted, spending more than you meant to, feeling worse after a session rather than better. None of that is a reason nobody should use these products. It is a reason to notice.
Two things a platform must get right
Age assurance and prohibited content. An adult platform with no age screening is a platform with minors on it. A platform without a published prohibited-content list has not decided what it will refuse, which means it has not decided anything.
HoneyPot screens age at signup, carries the RTA label so parental-control software can block the site, publishes its prohibited-content policy and enforces it with active moderation. Every character is AI-generated and an adult. Chats and generated media are private to your account and deletable at any time.