@Hardik: You don't need to be site collection admin to view or add web parts. Sheesh!
Crystal, SharePoint Online still has a version and also comes in many flavours from Education to Enterprise. I would suggest you find this information out first.
Other questions ahd factors to consider:
- What are you "adding a webpart" to - a web part page, publishing page, list form view...?
- What type of site are we dealing with - public or intranet?
- What features are enabled for the site?
You can usually, but not always, determine the root site from the URL. If you're not a portal administrator I'd be asking someone higher up the food chain to help.