Difference between ip access rules:

Hi guys, I would like to know the difference between ip access rules:

https://developers.cloudflare.com/api/operations/ip-access-rules-for-an-account-create-an-ip-access-rule
https://developers.cloudflare.com/api/operations/ip-access-rules-for-a-user-create-an-ip-access-rule

What is the difference between the IP rules for a user and an account ?
Thank you!
Interact with Cloudflare's products and services via the Cloudflare API
Interact with Cloudflare's products and services via the Cloudflare API
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