Merge pull request #1089 from brucehoff/release-32

Release 32
Fixing migration of credentials in stack32
TOU can be null if user exists but has not seen TOU
Merge pull request #1091 from alxdarksage/release-32

Fixing migration of credentials in stack32
Fixing 'no-arg constructor not present' error
Merge pull request #1092 from alxdarksage/release-32

Fixing 'no-arg constructor not present' error
PLFM-2600
Merge pull request #1099 from brucehoff/release-32

PLFM-2600
merged release-32
Merge pull request #1103 from brucehoff/develop

Develop