It's a matter of accessing whatever charms are already on the material, which should be run through whoever is dealing with the estate magics. So I wouldn't be putting a charm on, but accessing an existing charm, which might be incomplete. But, purely hypothetically, if I had access to those charms even without permission, if I were a slippery enough bastard, I might be able to run through them and find out what's in them and where it might be. Including things in Gringotts.