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I'll share the steps on how you can find the settings icon. To confirm, are you using QuickBooks Online? If so, access your account using a private browser or an incognito window. This browsing doesn’t store data and will help the page load without issues from temporary data.
Here's how:
After that, go back to @MaryLandT's steps to see the account settings. If it's working fine, you'll want to clear the cache of your regular browser.
However, if you're using QuickBooks Desktop, your settings are found on your Preferences (Edit menu at the top and then select Preferences) page as mentioned by my peer @Catherine_B.
I've added these links below for future reference:
Please know that you're always welcome to swing by if you have other questions or concerns with your account settings. I'm always here for you. Take care and have a great day ahead.