a sender sending an instant message to a receiver;

said sender using a sender client;

said receiver using a receiving client;

said sender segmenting said instant message into multiple segments;

said sender marking limits of said multiple segments;

said sender assigning a first category from a list of predefined categories to a first segment among said multiple segments, by indicating start and end of said first segment for a given category selected from said list of predefined categories;

said sender tagging said first segment with said first category from said list of predefined categories;

said receiver identifying a layout, a view, and rules associated with said first category;

said receiver displaying said first segment, based on said layout, said view, and said rules associated with said first category;

if said first category is confidential category, then:

hiding, obscuring, or collapsing said first segment, as display default;

wherein a section appears in a window displaying a phrase indicating confidential information, informing that confidential data is permitted to be entered prior to sending;

said receiver receiving said confidential data as pulled up into a hidden form:

said receiver expanding said section to view contents;

said receiver collapsing said section, after reading said contents:

said receiver proceeding with chat session without displaying confidential data;

wherein said receiver has an option to override said assignment of said first category by said sender; and

in case said receiver exercises said option to override said assignment of said first category by said sender, changing said assignment to a second category.