In respect to the person below, probably much wiser than myself regarding FTP's, I deleted this post, as I do not want to cause any problems.
Not trying to be an ass but guys if you are unsure on what is secure and not secure you need to be asking someone before making claims when other people's lives ride on the line here. I understand the good intent but there are some serious problems here. 1) If you have your FTP set up to allow the Chris7 user account to list, read, write, delete all files etc I think you could see the problem with this. 2) You have publicly given away the site and user creds 3) This is NOT a secure ftp site. A secure ftp site for one will start with a ftps:// etc
GPass - Free software downloads and reviews - CNET Download.com I don't know if this is anyhelp but it says it is for this purprose. Called GPass.