If using an <iframe> the 'src' attribute of the <iframe> should point to the gallery's HTML index page (into which the gallery is actually embedded using the embedding code).
For example, the <iframe> line of code might look something like this:

<iframe src="http://www.example.com/gallery_folder/index.html" width="800" height="600" frameborder="0" scrolling="0"></iframe>

In order to link directly to a gallery (to have the gallery open up in a new tab/window in the user's browser), use an HTML hyperlink to the gallery's HTML index page.
For example, the link might look something like this:

<a href="http://www.example.com/gallery_folder/index.html">Click here to open gallery</a>

When creating a gallery in svBuilder, the gallery's HTML index page is automatically created and named 'index.html' by default (though this can be changed on svBuilder's 'Publish' tab).

Use either the embedding code or the <iframe> code (not both).

If you created a gallery with svBuilder and typed in 'GKey.html' in the 'Index Page Name' field on the 'Publish' tab, then your gallery's HTML index page is 'GKey.html'.
Therefore, if using an <iframe>, your code would look something like this:

<iframe src="http://www.example.com/gallery_folder/GKey.html" width="800" height="600" frameborder="0" scrolling="no"></iframe>

... and a hyperlink to the gallery would look something like this:

<a href="http://www.example.com/gallery_folder/GKey.html">Click here to open gallery</a>

Your browser (Firefox) opens the gallery's HTML index page and shows its location in the address bar.
Because you are opening the file from your hard drive, the address bar shows 'file:///'.
If you were to upload the gallery folder to your web server and open the gallery's HTML index page using the version stored on the web server (rather than the version on your local hard drive), then the address bar would show something like 'http://www' (depending on your domain name).

Essentially, the steps required to create and link to (rather than embed) a gallery are:
(1) Create a gallery in svBuilder. You can change the 'Index Page Name' if you like. There is no need to keep it as the default 'index.html'.
(2) Upload the entire gallery folder (not just the contents) to your web server
(3) Add the hyperlink code (as found above) to the existing HTML page into which you'd like to add the link

To embed a gallery in an existing HTML page (rather than link directly to the gallery), follow steps #1 and #2 above and then replace the hyperlink code from step #3 with either an <iframe> or embedding code as found here: http://simpleviewer.net/simpleviewer/su … l#external

You'll need an FTP program in order to upload your gallery to your web server.
A suitable (and free) program would be Filezilla though there any many others.
All you would need to do is provide Filezilla with the Username and Password to your web space and then drag-and-drop the entire gallery folder into the right-hand pane.