It seems like you are trying to link to settings.php from another page and when the page loads you want to be able to specify which form is loaded, either Privacy or Account settings.
If so you could do something like the following:
<a href="settings.php#privacy">Privacy Settings</a>
and then on Settings.php you have the following jQuery:
$(function() {
if (window.location.hash) {
var action = window.location.hash.substring(1);
loadForm(action);
}
});
$('.set-cont').click(function() {
var action = $(this).attr('action');
loadForm(action);
});
function loadForm(action) {
$.get('getSettingsHTML.php',{
action : action
},function(data){
$('#set-show').html(data.output);
},'json');
}