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There are a few rules for determining if your end users have completed your form or not.
Your end user is considered to have completed your form once they fill out all of the required fields in the form, reach an exit point in the form, or reach a terminal step of the form.
They can reach an exit point in a few ways:
Note that you can design your form to have no exit points or terminal steps, and then users will never be considered "completed".
Your form is by default editable by your end users when they come back to it, but you can turn edits off in your form settings.