Hi Rupali.
The Account level is the user it self can edit. Name and Email.
The User level you spefific difrent Roles. What your user that have Access to Marketo need to have.
Typic you have 1-3 Admin (Access to everything)
Marketing User
Analytic User
Web designer user.
Some Juinor user.
A web designer user have normal access to the Design studio to create templates and upload images. But dont delete things.
A Juinor user is a person you set to work with your program can create, but not Approve or Launch the programs. Either delete.