This J.P. Morgan electronic communication channel is a confidential SMS Text Message exchange between you (the intended “Recipient”) and a J.P. Morgan Private Bank representative (“Sender”). By communicating with the Sender, Recipients U.S. residents  will continue to acknowledge these Terms, and acknowledge that standard text messaging rates may apply.

Please read carefully all of the following Important Information & Disclosures. 

Legal Entity, Regulatory Status & Business/Brand Name

“J.P. Morgan Private Bank” is a brand name for private banking business conducted by JPMorgan Chase & Co. and its subsidiaries and affiliates worldwide (together, “J.P. Morgan” or “JPM”).

In the United States, JPMorgan Chase Bank, N.A. and its affiliates (collectively "JPMCB") offer investment products, which may include bank managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC ("JPMS"), a member of FINRA and SIPC. Annuities and other insurance products are made available through Chase Insurance Agency, Inc. (“CIA”) a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products and services not available in all states or other locations.


Bank deposit products and services, such as checking, savings and bank lending, are offered by JPMorgan Chase Bank, N.A. Member FDIC.


These messages are NOT AN OFFICIAL CONFIRMATION OR VALUATION OF ANY TRANSACTION. Monetary transactions, fund transfer requests or trade instructions will not be accepted through this electronic communications channel. These messages are not an official confirmation of any transaction/order/fund transfer, or a valuation of any financial/investment product or vehicle. They do not represent an official account of the holdings, balances, or transactions made in your account. Please refer to your account statement for the official record of all of your account activities.

Nothing in these messages shall be regarded as an offer or a commitment to lend given by JPM and/or its officers or employees, irrespective of whether or not such communication was given at your request. Information contained in these messages should not be relied upon in isolation for the purpose of making an investment decision. Investors are urged to consider carefully whether the products, asset classes (e.g. equities, fixed income, alternative investments, commodities, etc.) and strategies discussed are suitable to their individual needs. Investors must also consider the objectives, risks, charges, and expenses associated with the investment product or strategy prior to making an investment decision.There may be different or additional factors which are not reflected in these messages, but which may impact on a client’s portfolio or investment decision. For this and more complete information, including discussion of your goals/situation, contact your J.P. Morgan representative. JPM and its affiliates and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transactions.

Important risk considerations for certain investment products and asset classes can be found HERE.

JPM does not guarantee that communications transmitted electronically (sent or received) are secure, accurate or complete as information could be intercepted, tampered with, corrupted, lost, destroyed or delayed or could contain viruses or malicious content. At JPM, it is not our practice to ask you, nor should you ever post, transmit, discuss or provide access to confidential, personal, financial or other sensitive information on any channel that is not fully secure or protected. Please submit personal information to J.P. Morgan through a secure manner (e.g., Secure Message Center, Client Exchange, postal mail, fax or in person). Although messages and any attachments are believed to be free of any virus, malicious content or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the Recipient to ensure that it is virus free and free of malicious content. By messaging with J.P. Morgan, you understand and accept all risks associated with electronic communications.

Electronic communications are not a reliable means of communicating with JPM. As such, JPM does not accept any responsibility for the contents of any electronic communication or for any delays, inaccuracies or omissions in the receipt of your or other information to JPM and disclaims all liability to the fullest extent permitted by applicable law for any loss or damage arising from any reliance on or use of this message in any way.

Sources. Data and other information used in these messages may be obtained from third party sources; however, JPM does not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this sourced information. Any comments or statements made herein by the Sender do not necessarily reflect those of JPM.

Third Party Websites. If we link to informational content on third-party websites; the posting of this material does not constitute an endorsement of the organization or the activity on the third-party site. By visiting a third-party site, you may be entering an unsecured website that may have a different privacy policy and security practices from JPM standards. JPM is not responsible for, and does not control, endorse or guarantee, any aspect of any linked third-party site. JPM is not responsible for any direct or consequential loss arising from the use of such sites.

Retention and Monitoring of Electronic Communications

Please note that any electronic communication that is conducted within or through JPM’s systems is subject to monitoring, review, retention and external production; may be stored or otherwise processed in countries other than the country in which you are located; and will be treated in accordance with JPM’s policies and applicable laws and regulations.

Privacy & Security

Information you submit or exchange by text message is subject to our Privacy Policy, which can be found at

Confidentiality and Your Responsibilities

All messages are specific to the Recipient, and are provided on a confidential basis. Messages may not be reproduced, redistributed or disseminated, in whole or in part, without the prior written consent of JPM, except by the intended Recipient. If you are not the intended Recipient, you are not authorized to use the information in any message in any way. Please delete the message and notify the Sender immediately. Any unauthorized use is strictly prohibited.


At any point, if you wish to stop receiving further electronic communications through this channel, please reply “OPT OUT”.

Additional Important Information

For additional JPM regulatory disclosures, please consult:

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