The settings you enable or disable and those you allow your Participants to use or not use are decided differently in each Chapter. Chapters with small, intimate groups that meet only with people well known to each other may adjust their settings very differently than larger Chapters with members and visitors who do not know each other. 

Some examples include: permitting file transfers in the chat window, permitting phone users to enter without a passcode, embedding the passcode in the link, publication of the meeting link and screen sharing by all Participants. 

These settings may be safely turned on in small size meetings where all of the Participants are intimately known to each other. If these same settings were enabled for larger groups or for groups admitting Participants from the Waiting Room in bulk or for groups admitting unknown Participants, they could prove disastrous.

Some settings will depend on the reason for the meeting. For example, if you are hosting a" Sew and Tell" and expect everyone to chat and show their items then you most likely do not need them to be muted when they join. However, if you have someone presenting a Program, then enabling the "mute all mics upon joining" feature is something you may want to have in place. 

The Settings menu for all Users are located in their "Personal" menu under "Settings". That will take you to three other areas, (1) Meeting, (2) Recording, and (3) Telephone. These areas exist in basic (free) and in licensed (paid) accounts.

Licensed accounts have 80+ Settings available to them, while Basic accounts have about 60. The exception to this is for Basic Accounts that have joined a Paid Account. Those Basic Users will have about 70 settings. Some of them will be defaults which they can adjust and some of them may have been locked into place by the Account Owner.

Licensed accounts have an additional area where they as "Account Owner" can establish the global settings that all Users in their account must adhere to. This area is found under the Account Management menu in a submenu that is called Account Settings.

When a licensed account holder invites other Users into their account, everyone, including the Account Owner inherits the global settings. It's generally advisable to make the global account settings as broad as possible while complying with the security guidelines your chapter desires. In other words, you can enable most of them as the Default settings and Lock down the settings you feel are required to ensure meeting security. 

The one setting that has the greatest impact on Multi User accounts is the Waiting Room. The reason for creating a Multi User account is to allow one of your Basic Users to start your meetings with a Host Key. All accounts must have either the Waiting Room enabled or they must require a Passcode. (They can have both.) In order for a User in your account to use the Host Key they MUST be able to bypass the Waiting Room. Therefore IF you turn on the Waiting Room, you must enable and LOCK the setting that allows Users in your account to bypass the Waiting Room. The reason being, they cannot start the meeting if they are stuck in the Waiting Room. 

Some chapters opt to use a Passcode (with or without a Waiting Room) and they also enable the setting to "allow your Participants to join before Host". IF you embed the passcode and IF you publish the link, then ANYONE can get into your meetings. To secure your zoom session under this setting you would want to "require registration". Doing so means your Participants must register using their email address and the meeting information will then be sent to that email address. You can approve these requests automatically or manually. If you require registration your Participants MUST join using the Client or App. (See the Zoom Support Registration page for more information.)

Some chapters may elect to require Authentication. Using Authentication requires every Participant to have a Zoom Account and to sign into that account before they can join a meeting. This offers one of the highest levels of security but also heavily impacts the privacy of your members because they will be required to disclose personal information to Zoom.  (See the Zoom Support Authentication page for more information.)