It depends which directories you have uploaded the file into and the domain of your site.
e.g. All files placing in the public_html folder will correspond to files in the root level of your domain, such as example.x10hosting.com/file.txt
Subdirectories of the public_html folder will then therefore correspond to sub-directories in your url
e.g. File places in /public_html/folder/file.txt will be accessed through example.x10hosting.com/folder/file.txt
If you are looking to create the HTML code for the link, it goes something like this:
HTML:
<a href="PATH_TO_FILE">LINK TITLE</a>
Just replace the two capitalised parts with the desired URL and title.