From the Accounts View the user may create, edit, delete etc. his web client accounts. An account may point to the same local server, or to any other remote server. Below in edit view, things but come more clear.
When you edit/add an account there various tabs where user must define the necessary remote server credentials.
In this tab actually you define the name you wish and access level of the account. Also you may choose the default account. You may only have one default account, and you can't delete it. This is the account the user will see by default when at first access the system.
Emails Configuration Tab
Here user may setup everything to use an IMAP\SMTP email client. All necessary information should be available by the user's email host provider. It is not necessary to setup the email client if you do not wish to use it, but PH Cloud might be the best web solution to have access to all the emails from one web place.
DAV Client Configuration Tab
If you leave empty the DAV configuration fields, then by default the local host is used. Still you might wish to connect to other remote DAV servers. This is where you put the necessary credentials.
From this tab you may define change the category, or the user if you have the necessary access. The user is the one who have access to this account.