docs: add localhost proxy instructions and clarify wording

Author: priyans11

README.md

@@ -163,11 +163,20 @@ MIFOS_DEFAULT_CHAR_DELIMITER=,
 
 To proxy to a local Fineract server instead:
 
-1. Open `proxy.conf.js`
-2. Comment out the sandbox proxy configuration
-3. Uncomment the localhost proxy configuration (lines marked with `// Uncomment this configuration...`)
-4. Ensure your local Fineract instance is running on `http://localhost:8443`
-5. Restart the development server
+Use the provided localhost proxy file (recommended for `ng serve`):
+
+1. Start the dev server with the localhost proxy:
+
+   ```bash
+   ng serve --proxy-config proxy.localhost.conf.js
+   ```
+
+2. Ensure your local Fineract instance is running on `http://localhost:8443`.
+
+Notes:
+
+- `proxy.localhost.conf.js` forwards `/fineract-provider` to your local backend to avoid CORS during development.
+- The `HttpsProxyAgent` / `setupForProxy` logic (present in `proxy.conf.js`) is only necessary when an upstream corporate/HTTP proxy must be used (set via `HTTP_PROXY`/`http_proxy`). It is not required for a direct `localhost` backend.
 
 ### Proxy Features