I've used HRV off and on for a few years. I first used iThlete as it was the first I heard about, then switched to SweetBeat since it's based here in the US. Founder Rhonda Patrick has a ton of knowledge about how to use HRV. Check out some of the podcast interviews done with her.
A couple key points I learned from her, first and most important is that your number is yours alone. There is much individual variation, and your age is one factor. So don't compare your number to anyone else. Especially since they may be using a setup with a different algorithm. When I switched from iThlete to SweetBeatHRV, my number changed significantly.
So to use it, you have start using it regularly and note the score. After some time, you'll see your ranges for rested vs cooked. It would be best to start using it when you're pretty rested, maybe the end of a recovery week. Then, see how different workouts and life stresses affect it. Like Anna mentioned, it's just one data point, not a definitive guide. Use it a solid second opinion. HRV measures your response to ALL life stresses in a cumulative manner. One low score by itself isn't critical, but a trend is. So if it's low, but you feel good, maybe train as usual, or back off a bit. If it stays low, reconsider. A couple times my HRV crashed, and it was right before I got sick.
It's important to measure it consistently under the same conditions. The usual practice is right when you wake up, before you get out of bed, like the old school pulse check, only better. Since HRV fluctuates all the time, if you choose to check it at other times, only compare readings from the same time of day or you'll go crazy.