If you do not see this gear icon, it is because your login does not have permissions to make those changes. 

This may be because you are a user login rather than the primary account. The primary account will usually be the Owner, or whichever user/email signed up for Copilot.

To find the primary account, click Team > Employees. 

Scroll down until you see Owner. This will be the account that has access to the gear icon.