I found your FAQ reference
here.
Yes, I do not see a link in the User CP accessible to members. It is there when signed in with admin privileges; so I'd have to say that feature is not implemented
there. But most of the features you describe are already present in members' individual gallery.
- Click Photos just under the site logo at page top
- Put your pics in 'Member's Photos' if you want the handiest access to your photos
- After you've done this, your gallery uploads will show up in the drop-down menu under your username at any posts by you
Some examples of members who have used albums well -
jcanavera and
overlander64. Begin uploading photos into your gallery and it should become evident how to create albums after you've played around for a while.
I can't say I'm familiar with the FAQ section referring to public, private & profile albums -- would have to play around with that one myself to see if that feature is present.