"Make sure U hv permission to upload any photo U're using on MyLot" mean..???

That sentence says it all. If you do not have permission to use the photo then do not upload it. If it is covered by copyright you have no right to upload it and if you do so then myLot could have copyright problems and you would later see it removed and you would earn nothing for it. Many of the photos that you find online are not ok while some are. There is an easy way to avoid making mistakes - use your own photos or none at all. Once you are certain that you may use a photo then make sure that it is relevant to a topic before using it or that would be another cause for it to be deleted. I rarely upload any photos at all. You can only upload them when you start a discussion until you reach 500 and then you will be able to upload them in responses and comments too. You can upload them to interests and to your profile but those in your profile will not earn for you. Photos of a personal nature should only be uploaded to your profile, as you have no doubt seen in the photo Guidelines too. Welcome to myLot!