Your account has various settings associated with it. These settings control things like how often you are able to make API calls and what default to use if you do not provide a value. For example, if you do not provide the expiry parameter to numberOverlay, your value of overlayLifeMinutes will be used to calculate an expiry time. In many cases, these defaults also act as maxima.
The function userSettingsList returns the current settings for your account. This function requires no parameters