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Just because you have antivirus software installed on your PC doesn't mean a zero-day Trojan can't steal your personal data. The top encryption software keeps you safe from malware (and the NSA).
Locking down individual files is great, but a blanket encryption will prevent anyone from getting their paws on your files.
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The maker of the popular open-source file encryption software VeraCrypt said Microsoft locked his online account, which may prevent device owners from booting up their computers.