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Acronis vs anti-virus software

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Bruce, welcome to these public User Forums.

The answer to your question is 'it depends!'

Which edition of ATI 2021 do you have here?

If you have either a Standard (perpetual) or Essential (subscription) edition, then yes, you do still need antivirus software - neither of these editions include Acronis Cyber Protection.

If you have an Advanced or Premium subscription edition, then Acronis Cyber Protection is included and will automatically replace such as Windows Defender for virus protection if it is enabled.  If you have an existing third-party antivirus application, then it should leave that as the main protection provider and you would need to uninstall that other application if you want to have Cyber Protection.