In a situation where the modal Template or Offer is set up without the checkbox checked for Allow user to close modal, but on the website the user is able to close it anyway, the following could be the reason:
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In the case of Adblock Templates, you should have 2, differently named, variants - a hard block and soft block one, for the system to choose based on the checkbox settings.
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In the Template's code itself, it's possible to add the following line of code:
<button class="pn-modal-manual__close" ng-click="close()"></button>
If added to a Template, it will allow the user to close the modal even if in the Composer Experience itself the setting to close the modal template is disabled.