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What is SSL ? and why do we need it for the websites? , please explain in simple words

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In simple: if the websites are without SSL then the web requests are sent as plain text but with SSL it will be in an encrypted format.
 

Imagine you are running an e-commerce website, where your customers enter their credit/debit card details into your shopping site and the details send to the server as plain text, the details can be retrieved by a middleman(a hacker)

If there are SSL enabled, then the details are in an encrypted format and are hard to be hacked.
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