VirtualGF

What VirtualGF is

VirtualGF is an AI girlfriend service used in the browser at virtualgf.chat. A user picks a ready-made character or creates one, and chats with her in text. The site says text chat is free and that a user can send unlimited messages. Generating images, videos and voice notes is the paid part, and it runs on credits that are bought in packs. Telegram appears on the pricing page only as a way to pay, through Telegram Stars.

A reader who stops here has the shape of it: free text companionship, with pictures and other media priced by the credit. It suits someone who mostly wants to talk and will pay only if media becomes important. It suits less well a reader who wants a long list of generation controls, because the site describes few.

What you can do with it

The home page opens with a call to create a custom AI girlfriend with a few clicks, to customize her and bring her to life, and a button to create for free. The top navigation has three destinations: Explore, Chat and Create AI. Below the opening is a grid of ready-made characters that can be filtered between All Models, Realistic and Anime. Each card carries a name, an adult age and a one-line description of an occupation and personality. The listed occupations are varied and mostly everyday or professional: a fashion blogger, a software developer, a party DJ, a theater actress, a fitness guru and nutritionist, a motorcycle mechanic and racer, a sommelier, a nature photographer, a rock band vocalist, a pilot and travel vlogger, a fantasy author, a professional surfer, a stand-up comedian, a business executive and a dance instructor. A few of the one-line descriptions mention spicy conversation, which is as far as the cards go in describing tone.

The FAQ answers the customization question directly: users can customize their AI girlfriend's personality traits, interests and conversation style. The terms describe the same thing from the legal side, saying the service lets a user chat with and customize AI-generated fictional characters that it calls AI Companions, and that the user owns the character customizations and the prompts typed in. The FAQ names no appearance or voice options for the builder, so the visible style choice is the Realistic and Anime filter.

Conversation is described in general terms. The FAQ says the character is powered by artificial intelligence, responds in a human-like manner, can learn from interactions and gives personalized responses. It describes the site as a virtual chat experience designed to simulate conversations with a girlfriend. It also says she is not a real person, that the experience is meant for entertainment and companionship, and that she can offer general companionship and conversation but is not a substitute for professional emotional support or advice. The terms close on the same note, telling users that all characters and interactions are entirely fictional and are generated purely for entertainment.

Media is where the terms add detail. They state that the platform may generate text, images, voice notes and videos, and that media generation, unlike text chat, requires tokens. The pricing page sells its packs as image generation credits and prints an approximate cost per image beside each pack. The site does not publish how many credits a video or a voice note costs. For anyone arriving from an AI porn generator page, the accurate summary is that image generation exists inside a companion product, is paid by the credit, and is described on the site by its price per image and by the two model styles.

The adult side is stated in the terms and not in marketing copy. They say a user must undergo age verification when accessing NSFW features and must be legally permitted to access adult content where they live. The pricing page repeats that the service is for users 18 or older. Free chat and NSFW access are therefore two separate things in the terms: text chat costs nothing, and the adult features sit behind an age check.

Free tier, plans and billing

Durable facts first. Text chat is free, with unlimited messages, according to the home page FAQ and the terms. The FAQ answers the question of a subscription fee with a plain no. Media generation needs credits, which the terms call tokens and describe as obtained via subscription. The pricing page shows three credit packs instead of a monthly ladder: Standard, Premium and one labeled Unlimited, with Premium marked best value and Unlimited marked most credits. The terms also say monthly or annual plans are available, so the paid side is described in two ways, as packs on the pricing page and as plans in the terms. The terms add that subscriptions renew unless canceled and that a user may cancel at any time, with access continuing until the billing period ends.

Refunds are covered in one line of the terms: a full refund if no tokens are used within 24 hours of purchase. The same section warns that fraudulent behavior may lead to account suspension. The pricing page says the statement will show as VirtualGF.

Buying is a two-step screen: choose a credit pack, then choose how to pay. The pricing page offers three routes. The first is a card payment that the site converts to crypto for the user, which it calls a crypto on-ramp and explains in a linked guide for newcomers. The second is crypto paid directly from the user's own wallet. The third is Telegram Stars, paid inside Telegram. The terms list credit card, PayPal and crypto. The two lists do not match, and PayPal appears only in the terms. A Discord contact is offered for payment problems.

In October 2026 the pricing page lists Standard at $11.99 for 80 image generation credits, which it states works out to about $0.150 an image. Premium is listed at $24.99 for 1000 credits, and the Unlimited pack at $59.99 for 5000 credits, which the page puts at about $0.012 an image. Each pack shows a second, higher figure beside its price, and the navigation carries a discount label. The pack called Unlimited is still a fixed number of credits.

Rules and privacy

The service is for users 18 or older, and an account needs an email and password. The terms prohibit generating realistic depictions of real individuals, child exploitation, non-consensual scenarios, bestiality, trafficking and illegal activity, and say users may not generate or impersonate real people. All content must involve fictional characters only, and the terms add that real-person likeness removal requests do not apply for that reason. Enforcement is described as AI filters plus manual review. Violations can be reported in the app or by email, with a stated aim to respond within 7 business days. When use by a person under 18 is detected, the account is terminated, with deletion of the associated data.

On privacy, the FAQ says conversations are private and encrypted, and advises against sharing sensitive personal information all the same. The terms say chats and prompts are private and stored only in the user's account. They also allow temporary access to account content for audits by payment processors or compliance authorities, for up to 7 calendar days. On ownership, the user grants the company a non-exclusive, royalty-free, worldwide license to use, display and enhance generated output until the user deletes it, while the company keeps the rights in the platform and in the generated characters, including customized ones. Use is licensed for personal purposes, and resale is prohibited. The terms hold the user fully responsible for the output a character produces.

Significant changes to the terms are announced by email and by an in-app notification. An account can be terminated for a breach of the terms or for fraud, which may mean deletion of the user's data. The operator is FutureAI Limited, registered in Limassol, Cyprus, and the terms are governed by the laws of Cyprus or of the user's own region where that applies.

Who it suits

VirtualGF suits a user who wants a free text companion and may later buy credits for pictures. It also suits someone who prefers paying by crypto or Telegram Stars, since both are offered on the pricing page next to the card route. The refund in the terms covers a purchase whose tokens are untouched within 24 hours, which leaves room to change one's mind before generating anything.

The caveats are few and specific. Only image credits are priced, so the cost of videos and voice notes becomes visible inside the product. The paid side is worded as credit packs on one page and as renewing plans on another. The builder is described by personality, interests and conversation style, which suits a reader who cares more about how a companion talks than about fine control over how she looks.