What SSL and HTTPS actually mean
The padlock in your browser bar hides a surprising amount of confusion, so let's clear it up. So what is HTTPS? At its core it's just HTTP with an encrypted layer underneath — the "S" literally stands for "Secure." That layer is what stops anyone between your visitor and your server from reading or tampering with the traffic, which is why browsers now slap a "Not Secure" warning on any site still running plain HTTP.
And what does SSL mean? SSL — Secure Sockets Layer — is the technology that does the encrypting, or at least it was the name for it. So is HTTPS secure? The honest answer is: yes, as long as the certificate behind it is valid, current, and trusted. A padlock only means the connection is encrypted; it says nothing about whether the site itself is trustworthy, which is a distinction phishing sites happily exploit.