what is BIP91? how can i keep my Bitcoin safe?

[AceKnight]

I just heard about  BIP91, I have no idea what this is, would anyone explain this to me? should i be worried?
and why is it everywhere that i should have the private key to my bitcoins? I keep my BTC at coinpayments.net. i don;t have the private key to my bitcoins. what should i do?

Thanks

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[TryNinja]

I just heard about  BIP91, I have no idea what this is, would anyone explain this to me? should i be worried?

https://themerkle.com/what-is-bip91-and-why-does-it-matter/
https://bitcoinmagazine.com/articles/bip-91-has-activated-heres-what-means-and-what-it-does-not/

and why is it everywhere that i should have the private key to my bitcoins? I keep my BTC at coinpayments.net. i don;t have the private key to my bitcoins. what should i do?

I believe we won't be getting a chain split anytime soon.

But regardless, you should be storing your coins in an offline wallet and not on a web wallet.

Download Electrum, backup your seed phrase and store your coins in your new wallet.

[AceKnight]

Thank You for you reply, I understand now 
i'll save my BTC rightaway

[justmint]

It is always recommended to store your bitcoin inside a wallet, on which you own the private key.
The reality is, anything else than that means you have to rely on a third party that could get hacked, or simply get you in troubles, should a fork happen, and so a chance to lose your coins.
This is the difference between centralization and decentralization.