A user account is a collection of information that tells Windows which files and folders you can access, what changes you can make to the computer, and your personal preferences, such as your desktop background or screen saver. User accounts let you share a computer with several people, while having your own files and settings. Each person accesses his or her user account with a user name and password.
There are three types of accounts. Each type gives users a different level of control over the computer:
Standard accounts are for everyday computing.
Administrator accounts provide the most control over a computer, and should only be used when necessary.
Guest accounts are intended primarily for people who need temporary use of a computer.