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I'm browsing these shared folders on the MediaSmart server from a hotel room more than a thousand miles from home. Each folder in this list is protected by individual access restrictions (enforced by NTFS permissions) and is assigned on a per-account basis unless the Guest account is enabled.
HP's Photo WebShare add-in lets you create photo albums with captions and access controls. Remote users with the proper access rights can upload photos from afar; this album was created from locally stored photos.
You don't need to create a Home Server user account to give a visitor access to photo albums. This page allows you to create a "photos only" account using an email name and password. The check boxes on this page also allow you to restrict uploads and define which albums are available to individual visitors or groups.