"You need the owner password to save this document": how to fill a locked PDF form
Why government and employer forms block typing on phones, and how to fill them anyway.
You open an official form on your iPad or phone, start typing, and get "Without the owner password, you do not have permission to save this document" after every letter. A friend can fill the same file on a laptop. You did nothing wrong.
PDFs can carry two passwords. A user password stops anyone opening the file. An owner password does not stop anyone reading it; it only sets flags that say "do not edit" or "do not change form fields". Desktop Acrobat often honours the form-filling flag loosely, while the iOS and Android viewers refuse to save at all. Agencies and HR systems switch these flags on by default, usually without meaning to block you.
The fix: open the form at bettrpdf.com/fill. If the file has only edit restrictions, we lift them in one pass, the boxes become typeable, and you can sign, download or send it back as normal. The file is processed and then deleted; nothing is kept.
If it asks for a password just to open the file, that is a user password. Only the sender can give you that, or send you an unlocked copy.