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If a company wants to have a secure web site that uses encryption, it needs to obtain a site, or host, certificate. There are two elements that indicate that a site uses: 1. a closed padlock, which, depending on your browser, may be located in the status bar at the bottom of your browser window or at the top of the browser window between the address and search fields; 2. a URL that begins with “https:” rather than “http:”. By making sure a web site encrypts your information and has a valid certificate, you can help protect yourself against attackers who create malicious sites to gather your information. You want to make sure you know where your information is going before you submit.