An SSL Certificate is a digital certificate that authenticates the identity of a website and enables an encrypted connection. It ensures that data transferred between a user's browser and the website remains private and secure. This is especially important for online transactions, where sensitive information like credit card details is exchanged. When a website has an SSL Certificate, it displays a padlock icon in the address bar, indicating a secure connection. Websites with SSL certificates use the HTTPS protocol, which stands for HyperText Transfer Protocol Secure. This helps build trust with users, as they can be confident their information is protected.