1) I use a hosted CMS so server side code is out of the question. Other than the contact form does any other part of the skin use PHP to function? It appears to function in my test but I want to be 100% sure.
2) In place of the banner heading text is it possible to use an image? Can I insert HTML into those fields and it work?
No, there is no other PHP code in the skin.
Right now, thru the skin interface, text is only supported in the header but anything can be put in via html once the album is generated. I will add this option in the next update.