Cryptolocker is a ransomware in evolution that crypt your personal files in your hard disks / removable disks, etc... and then offers you to pay a ransom to decrypt your files.
Yep, you can't access and use your data.
The crypt method is too hard to decrypt without the key, so the best way is DON'T GET CRYPTOLOCKER.
How? Pay attention to e-mail attachments and use common sense!
More info (there is a software to prevent the infection):
http://www.bleepingcomputer.com/virus-removal/cryptolocker-ransomware-information
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