Why do I need an SSL Certificate?
Keep data submitted to or retrieved from your website private by using HTTPS to browse securely instead of HTTP. A website needs an SSL Certificate to allow you to access it securely using HTTPS instead of HTTP.
Accessing a website using HTTPS will keep the network traffic between your web browser and the website private. Even if someone was to capture this data it would be encrypted.
Remove “not secure” browser warnings
Web browsers may indicate your site is “not secure” if you aren’t using a SSL Certificate. This makes the user aware that any personal information they provide to the site including login info, credit cards, etc isn’t encrypted and could be intercepted as it is being transferred.
Accept credit card payments / PCI Compliance
A SSL Certificate is needed if your website is accepting credit card payments and for PCI Compliance.
Google has indicated using HTTPS on your web site is a ranking signal and could provide an improvement in rankings on Google’s SERP.