You’ll get slower download speeds. Running your connection through another server inevitably slows you down, though how much depends on what torrent you’re downloading, who from, and a lot of other factors. In my experience, more popular torrents stayed at their top speed of 3.4 MB/s (my bandwidth cap) with a proxy, while other less popular torrents slowed down from 1 MB/s to about 500-600 kB/s. Your mileage may vary. I lost significantly less speed with Private Internet Access than I did with BTGuard, though.
The short answer is that, yes, a VPN can shield your online activities from your ISP. And that's a good thing, not only if you have legally iffy torrenting habits, but also because it protects your privacy in general. An online survey of 1,000 conducted by PCMag found that 25 percent of respondents named ISPs as the biggest threat to their online privacy. That's entirely correct.
I tried Ivacy, won’t try them again. I don’t have anything positive to say about my experience with them. They are unresponsive, greedy and their servers are slow. Overall, a bad experience. I’ve read that they don’t pay their refunds, I think I’m lucky, I got a refund. Won’t recommend them. There are plenty of better providers out there, read the reviews on this site for example and make a different choice. Ivacy isn’t for me, it probably isn’t for anyone. Stay away from them to keep your brain cells!
Brute force attacks will target a specific website’s login page and attempt to crack the username and password combinations by running through endless variations until they eventually land on the right one. They test one letter or number at a time, and continue cycling through, adding more digits until they eventually figure out how to gain access.