Hi there BernieElder,
Thanks for reaching out about user permissions. QuickBooks Online is a great tool able to help you keep track of sales and expenses so you know the profitability of your company. I can provide some information about users.
The only user that would allow a user to see but not edit would be a Reports-only user. This information can be seen on this article, as it has all the types of users, and their permissions.
If you have any other questions, feel free to reach out here.