An SSL Certificate is like a security gate to your business. When you purchase an SSL certificate the research company checks the references and approves that your business is what you say it is. When that is approved you also get data encryption which means that when your customer puts any data into your website on his/hers computer it gets ‘scrambled” on its way to the server where your website is.Then when it is there, it gets “descrambled”. That way no one can access your clients’ personal details on the way to the server. 

If your website requires any type of personal information from the customer you definitely need to have an SSL certificate. If you don’t ask for any details it would still make sense to get it for 2 reasons: 

1. Trust. Most browsers will warn the person landing on a website if it is secure or not. When someone sees a “Not secure” statement they instantly lose trust in the website. That is even before they decide to put any personal details in. It is purely psychological, but it is true. 
2. It can have an effect on your Google ratings. Google prioritizes websites with an SSL certificate and puts them higher up the ranks. 

You can check if you have an SSL Certificate by looking in the beginning of your website address.