For some reason in Mac OS X 10.2, the default file permissions when uploading files via ftp is set to 640. This results in the permission “-rw-r—–“. That is, the file can be read and modified by the owner, read by those belonging to its group, but others can’t even read it. Naturally, this causes problems when using ftp to upload files to a web server.
In previous systems it defaulted to the more sensible 644, or “-rw-r–r–“, which is also the system-wide default. Apparently, ftpd does not follow the system’s UMASK setting. To change this for all users on the machine you need to create a file in /etc/ called ftpd.conf. In this file, add one line saying:
umask all 022
Save the file and restart the ftp server. This will make uploaded files readable by all.