Can time charterers have the ship repainted in their own colours, and fly their own house flag, etc ?

It depends on the agreement in the charter party. Period charterers will probably be allowed to fly their own house flag or even paint their own colours on the funnel and/or sides, but this may not be important to them.

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What restrictions are usually placed on time charterers as to where they can send the ship or what they can carry?

Under a long time charter, how can owners ensure that they will not be penalised for drydocking the ship during the hire period?