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Hi laverne11,
welcome to XOOPS!
How did you install XOOPS? Was it manually, by copying your files to your host via FPT?
If you were able to install XOOPS via copying the files yourself, then you should be able to
copy your theme to the /themes directory.
It seems like you don't have the right permissions to copy the files to your server. If this is the case, you should contact your host directly.
Once you have your permissions set, you can then upload the theme to you themes directory, and select it in your Admin (in the System -> Preferences Main -> General Settings)