Deb, forgive me for jumping in here...
I am about as clueless as you are in most of these issues, but I was able to download and use Filezilla in order to gain FTP access to my Jamroom server so that I could pull out certain files (images, .css files etc) that I could edit on my computer and then re-upload to the server (overwriting the old version of the file).
At some point you will benefit greatly from being able to access your site on its server to edit/delete/add some file there in your site. For example the skin .css "style tab" files are only able to be edited via the ACP to a certain very limited extent. Being able to tweak a small thing like a button size or a .jpg and then put the tweaked file back again is really handy! Of course, one must be careful and making a safe copy of any file before editing it is essential, so you can put the original back on the server if you totally screw up.
Filezilla is free, and is pretty easy to use once you figure out the (surprisingly simple) initial settings to connect to a server.
Here is a screenshot of my server connection settings for my Jamroom-hosted site (with sensitive stuff blurred out) so you can see the simple "Site Manager" screen in Filezilla that you fill in order to connect to your site's server where all files are stored.
Douglas linked above to where you can find YOUR JR server settings, so you can fill the info into an FTP program like Filezilla in order to connect. Once you connect successfully, you simply save those settings and connecting to 'your site' is super fast from then on. (One thing that tripped me up at first was that the "User" filed needed to be filled in as "jamroom".. not as me. see my screenshot)
I heartily recommend giving Filezilla a try... for dummies like me I can actually make it work! ;D
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...just another satisfied Jamroom customer.
Migrated from Ning to Jamroom June 2015