A user account is the account which is needed to be able to create a bot. A bot is what enables you to work towards one targeting group.
In other words - You need an account to be able to have your own bot but a user can have multiple bots set for different targeting groups.
You can see in your agreement/contract between your company and Qualifier how many bots that are included in your plan.
If you can’t access it then contact your AM or firstname.lastname@example.org.