What is a "cPanel" and why do I need one? Why do I need a username and password for it?

The "cPanel" is just the control panel for your website. You need an username and password to log into your control panel. Once inside, you can do any number of things: check your email, back up your site, create add-on and subdomains, create databases, check your site stats, you can even view and edit all your website files. Everything you need to control your website is in there.
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