The Federal Trade Commission is reporting a settlement with Sears Holdings Management Corp. over charges the retailer failed to adequately disclose the scope of consumers' personal information it collected via a downloadable software application. According to the FTC's complaint, Sears invited certain consumers visiting the Sears.com and Kmart.com Web sites to become members of the "My SHC Community" and paid them $10 to participate in on-going interactions with the retailer.