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The plot of Nabokov's book "Lolita" , which popularized the term, has a 12 year old girl seducing a man in his 40's.
If you are concerned with the legalities, then the bottom line is that its not illegal to use the term. The problem is that you ever did need to defend yourself in court, you are handing yourself to the prosecutors on a platter by using that term. A convincing argument can be made that the term refers specifically to underage girls. They will use it to paint you as a pedophile, an entertainer of pedophiles, a profiter from pedophillia, anything to predjudice the judge or jury against you and get a conviction.
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