diff --git a/src/content/docs/whp/admin/server-settings.mdx b/src/content/docs/whp/admin/server-settings.mdx
index e2cb0bf..588d922 100644
--- a/src/content/docs/whp/admin/server-settings.mdx
+++ b/src/content/docs/whp/admin/server-settings.mdx
@@ -77,6 +77,23 @@ Operational controls for HAProxy and system-service certs:
 - **HAProxy API Key** — Bearer token used to authenticate against the HAProxy Manager API. After rotating, restart the HAProxy container.
 - **System Service SSL Certificates** — request a Let's Encrypt cert for system-level services like the WHP panel itself and FTP, by picking the service and the domain name.
 
+<Aside type="caution" title="Panel SSL + HSTS — VM rebuild and cert change gotcha">
+
+  The WHP panel always sends `Strict-Transport-Security: max-age=31536000; includeSubDomains` on every HTTPS response. That header is part of the panel's defence-in-depth — once a browser has visited the panel over HTTPS, it will refuse to fall back to HTTP and will refuse to accept an untrusted certificate (no clickable "proceed anyway" escape).
+
+  **When this bites you:** any time the panel's certificate fingerprint changes for the **same hostname**. Most common cause: rebuilding the VM. A fresh `setup.sh` run regenerates the self-signed `/etc/pki/tls/certs/localhost.crt`. Your browser still has the year-long HSTS rule cached from the previous VM, so it refuses to connect to the new cert. Both Chrome and Firefox enforce HSTS at the browser level.
+
+  **Recovery options for the admin who's locked out of their own panel:**
+
+  1. **Use the IP directly instead of the hostname.** HSTS is scoped to host names, not IP addresses. Hit `http://<server-ip>:8080/` or `https://<server-ip>:8443/`, log in, then go straight to **Network & SSL → System Service SSL Certificates** and issue a real Let's Encrypt cert for the panel's hostname. Reload the page and the hostname URL works again.
+  2. **Clear the HSTS rule in your browser.**
+     - **Chrome / Edge:** `chrome://net-internals/#hsts` → *Delete domain security policies* → enter the panel hostname → *Delete*.
+     - **Firefox:** start a private window for the panel hostname, OR close Firefox, open `<profile>/SiteSecurityServiceState.txt`, and remove the line beginning with the panel hostname.
+  3. **Issue a real Let's Encrypt cert before the next rebuild.** Once `whp02.example.com` has a real cert that survives rebuilds (e.g., the LE private key is preserved across rebuilds, or the cert is re-issued as part of post-install automation), the HSTS rule has nothing to argue with.
+
+  Issuing a Let's Encrypt cert for the panel hostname is a first-day operation for every new server, and it's how you avoid having to recover from this scenario on rebuild #2.
+</Aside>
+
 ### Security
 
 API keys for **external integrations** like WHMCS. Not customer-facing.