Question: I found the article to be quite informative that addresses the question "Can Microsoft access my private files?" ([Can Microsoft access all private data if a user installs Windows 10?](https://security.stackexchange.com/questions/129376/can-microsoft-access-all-private-data-if-a-user-installs-windows-10#new-answer?newreg=50fd2fbccd9c4d3ca90be4d2f44ca55a)), which includes my OneDrive files, but it didn't specifically mention the special folder called Personal Vault. Does Microsoft have just as much capability of accessing the contents of my Personal Vault as it does all my other OneDrive files, or is Personal Vault an exception?

Answer: 
> 
> "Usually I just close the ad"
> 
> 
> 

Well, you *think* you closed the window. What you did was click *on* something, which permitted the download.

Most everyone just looks for the little "X" to close the window. The scammers know this and manipulate what looks like a window so that you actually click a download button.
> 
> how a file is automatically downloaded
> 
> 
> 

This kind of abuse and is called [Drive-by downloads](https://en.wikipedia.org/wiki/Drive-by_download).

Webpages are made full of tags and attributes which isn't limited, but pop-up windows work differently than normal tabs in the sense that these pop-up screens were already triggered by a click when you see a file is downloading in the pop-up screen, this could have been triggered in a normal browser tab.

> 
> when the ad pops up a .exe file is downloaded
> 
> 
> 

So it isn't like you need to see a new window first, then click somewhere in that new screen and the download will start. People can program those attributes to instantly download in a new window instead.