Dirty lens on a digital camera?

[CXTKRS1]

I have a simple point and shoot Canon digital camera that for some reason has built up a lot of dirt on the camera lens itself. I was wondering is their some sort of special solution that I need to clean the lens? I was told by a guy at best buy that any kind of universal cleaning gel could work like the one below but at the same time I doubt he knew what he was talking about.

http://img.photobucket.com/albums/v486/LoudLT1Z28Vert/7461f940.jpg