No, these
charts can't be used under OCPN. These are private, encrypted chart formats and would need a special plug-in from C-MAP/Jeppesen.
S-63 charts do not time out. Once the licensing period ends you will just not get updates any longer.
Depending on your PC it is possible though that for example a new version of the operating system (as Windows10) will invalidate the InstallPermit. Then you can just create a new one and continue using the charts.
Hubert