you have to have 20 posts then you can upload your own, but only on the mini mims gallery. It won't let you create an album until you have 50.
to view peopls pics i think you still have to have 20 then you click on the bit to the left of their post where it says view so-in-so's photo gallery.
hope this answers your question.
this is not the easiest of websites to use but I guess we gradually find our way around it. I wish they had a goddamn spell checker too!!