User guide: Explain when code owner submit records in the index get stale

Signed-off-by: Edwin Kempin <ekempin@google.com>
Change-Id: I1e04c46636eb997c52b7622855d33adac0995fce
diff --git a/resources/Documentation/user-guide.md b/resources/Documentation/user-guide.md
index 4e94f85..4337161 100644
--- a/resources/Documentation/user-guide.md
+++ b/resources/Documentation/user-guide.md
@@ -232,6 +232,20 @@
 that block the change submission for other reasons that are not related to code
 owners.
 
+**NOTE:** Gerrit submit rules are executed on submit and when change details are
+loaded, e.g. when loading the change screen (to know whether the submit button
+should be enabled). In addition, submit rules are executed on every change
+update because the result of running submit rules is stored as submit records in
+the change index. This makes the submit records available when querying changes
+(without needing to run the submit rules for every change in the result which
+would be too expensive). For code owners the submit records that are stored in
+the index can become stale for 2 reasons: 1. [code owner config
+files](#codeOwnerConfigFiles) are changed after the change has been indexed
+(e.g. new code owners are added), 2. [if the code owners plugin configuration
+was changed in a way that affected the result of the code owners submit
+rule](config.html#staleIndexOnConfigChanges). Callers of change queries should
+be aware of this.
+
 ---
 
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