Or, at some hosts, the web server's DOCROOT is actually a folder that is a level or two under your user account's CHROOT. If this is the case, then you could have:
$ ls -l
drwxr-xr-x 2 user user 512 Jun 23 17:39 cgi-bin/
drwxr-xr-x 2 user user 512 Jun 23 17:39 htmldocs/
drwxrwxrwx 2 user user 512 Jun 23 17:39 somewriteabledir/