What term describes an individual who is authorized to access a premises or system?

The term that describes an individual who is authorized to access a premises or system is "authorized user." An authorized user is granted permission to enter or utilize specific areas, systems, or resources based on the permissions established by the managing entity. This role is important in security management as it delineates who has legitimate rights to access what resources, thereby helping to maintain order, integrity, and safety within various environments.

In contrast, other terms such as unauthorized user refer to individuals who do not have permission to access certain areas or systems, while visitor typically implies someone who may have temporary access but may not be regularly authorized. A contractor often has specific permissions based on their access agreement, but the term "authorized user" is broader and encompasses anyone who has the appropriate clearance to use the system or premises.