While all Telegram chats are client-server encrypted, default chats are still stored on Telegram's servers. This conveniently allows you to access your messages on multiple devices, but it might raise privacy concerns. Telegram Premium includes new tools to organize your chat list – like changing your default chat folder so the app always opens on a custom folder or, say, Unread instead of All Chats. According to the official Telegram FAQ section, You can create secret chats that use end-to-end encryption. This means only you and your chat partner can read those messages.
Chat folders Private Chats in Telegram Settings Bot API: lets you build programs that use Telegram messages for an interface. You don’t need to have knowledge of MTProto encryption protocol. The intermediary server will handle all communication and encryption with Telegram API for you. Read: 8 Most Common Encryption Techniques To Save Private Data
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