 your bank account, something like that, something that's very sensitive, then you might want to use a VPN in that aspect. But my recommendation is if you are on your smartphone, let's say you're at a hotel, you're on your smartphone, and you need to check your bank account. Instead of being on the Wi-Fi at that hotel, turn off the Wi-Fi and use your cellular connection, and that will be much more private than the Wi-Fi connection at the hotel.