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The problem is that you want to access the file yourself, you want the web-server to access the file as well, but you want to keep all the other users out.
If, as it is common, all normal users (including you) are members of a common group, you can set the following permissions
owner you - permissions rwx
group common-user-group - permissions ---
other - permissions r-x
This means you will get in as owner, all other members of the common group will be denied, but others, including the web-server, allowed.
To get a better answer, you have to give us more information.