750 says that the owner has read, write, execute and the users in the named group have read and execute privs. Everyone else is locked out with the '0'.

Your webserver is running as some effective uid. This id would have read permissions to your submission forms only if it is either the owner, or a member of the group.

You are probably using some shared web hosting service that allows lots of people to share the same physical machine. This file permission set would prevent other users that are logged into that machine from reading/writing your html files, but continue to allow the web server unix user to read your files.

Hopefully this helps.