The 'Save' and 'Save as' options do nothing more than to save the selected document to your User Profile, which is an *.flp file. However, individual documents can be exported to either rich text format (.RTF) or Adobe PDF format (.PDF).
Since I am not familiar with the *.pdf "security" switches you asked about, I cannot comment on those. The only thing that I can tell you for certain is that when a Home & Business Lawyer document is exported to *.pdf, it is saved to the selected folder on your hard drive. And, all that is required to open that *.pdf file is to double-click on it.
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