I'm starting to write a novel about Terrorism. This novel will reference various IT communications and I am wondering if I might reference your URL (security.stackexchange.com) in my novel. To add a bit of realism to the novel. I, myself are not obsessively concerned with IT security, I do take some precautions, though I am not "tin-foil hat" obsessive.
Disclaimer: I am not a lawyer, and I cannot speak for Stack Overflow (the company behind Stack Exchange) or the community. Voting, answers and comments on this page will hopefully show what the community consensus is.
That said - just mentioning the URL should be fine. I do hope you'll portray us in a positive light.
Obviously, mentioning specific users by (user)name is risky. I for one would advise against that, unless they explicitly allow it themselves. Fortunately, you seem well aware of this type of netiquette.
If your characters - or you yourself - post questions on Security Stack Exchange, they'll find that our primary rules are "show your effort" and "ask specific questions".
- "Can somebody hack my phone?" is going to get downvoted and closed, because it is a very general question that has a million variables - what model phone, what type of attack, what defenses are in place, and so on.
- "Can somebody use bug CVE-.... to gain root privileges on Android (version nr)" is a lot better, if you can show why you believe this particular attack would work against this particular target.
If you've actually tried the attack on your own devices, and can show the results ("According to the CVE, I should get response X, but I'm getting Y") you're likely to get a warm welcome.
On closing, I'd like to point out that we also have a Stack Exchange site for writers - https://writers.stackexchange.com . I'm not active there myself, but it's a safe bet that the same advice applies: before asking, show that you've done some research.
EDIT: To get an official answer from Stack Overflow (the company), you can use the "contact us" link at the bottom of the page. Although my experience is that they handle these quickly, they do get a lot of mail, so be ready to wait for an answer.
Stack Exchange's Terms of Service section 3 dictates that subscriber content (user content) is inherently released as the Creative Commons Share Alike license, and mandates that all content posted herein is permitted to be posted under such a license (e.g. code on Stack Overflow shouldn't be pasted from a closed-source or otherwise protected work that you company has created and not released itself, etc.)
Therefore, the terms of the usage of the contents of any Stack Exchange site are governed by that license.
IANAL, and you should really consult one, but as long as you're not targeting specific users you're most likely fine as long as you follow that license.