I usually say SSL, because it has a greater chance of being understood than the more correct TLS (nobody uses SSL 3.0 anymore). It's also in the name of many SSL (I mean, TLS) libraries, like the classic OpenSSL.

But yeah, I learned about SSL back in the crypto wars days of the 1990s, back when you had to pirate the so-called "US only" version of Netscape if you wanted decent SSL encryption, so I might be just using the old term out of habit.