The MAK (Media Access Key) thing is only an issue for people who bought Home Networking Package from TiVo, which they stopped selling a few years ago.
To transfer files to/from TiVo, I would suggest using winscp (if you normally use Windows on a regular PC) which connects through the ssh service on the TiVo, rather than ftp which has been obsolete for years.
If you have Linux on your regular PC, then use scp or rsync to transfer files to/from TiVo.
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