What you're looking for is chat with end-to-end encryption — where only you and the recipient can decrypt the messages.
To use the passing-a-note-in-class analogy, you and your friend both
have a unique way to confirm you are who you say you are — in real life,
handwriting; on the internet, a public key.
The note is then encrypted
using a randomly-generated cipher, which then is also encrypted and
can only be decrypted with the receiver's private key.
Admittedly, the
analogy kinda breaks down here, but the end result is that this system
ensures that messages sent to a single person can only be read by that
person only.
Which is best?
If unflinching privacy is your aim, then Open Whisper Systems's Signal, is the industry gold-standard.
Oh and did I mention that it is completely free?
You really should check it out.
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