At my Royal Bank site (http://www.rbcroyalbank.com/online-services), I am unable to get Hot Spot Protection. I have opted for HSP to be ON in my settings. Why is this?
I am using Firefox as my Browser, if this makes any difference, but it didn't work under Internet Explorer either. I should add that it worked just fine up until I downloaded Windows 10.
I have another thread going which concerns Bookmarking in Safepay and am hoping for SOMEONE to give me an answer: no luck so far! 
As I requested in my Bookmark thread, please answer this HSP/RBC question using kindergarten terms and words. I'm learning. 
Thank you so much.