Is it truly dependable and secure?
My best guess would be....
Yes, within reason.
HyperText Transfer Protocol Secure provides a layer of encryption (TLS or SSL) to protect network communications.
Principally to protect password and credit card information from being transmitted in plain text.
All good, you'd think, but....
Unfortunately, some institutions seem to then store this information in unencrypted format.
SO....
While your exchange with whatever portal you're using is protected, you still see every-so-often a retailer, bank, even companies like Experian and Equifax that host hundreds of thousands if not millions of consumer records, whacked by an exploit and expose client data.