Document a pitfall about certificate location

debian/ngircd.README.Debian

@@ -30,6 +30,9 @@ Certificate location
 
   Repeat the last step for all users that run a daemon providing TLS.
 
+* DO NOT store these files in /home/ - due to 'ProtectHome=true' in
+  ngircd.service the daemon will not be able to load the files.
+
 
 DH parameters file
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