i masterbate my girl friend and she also do it for me does it spread hiv

Hello

     doctor , I have been dating with a Italian divorced Lady around 40 years old ,she is educated ,energetic, rich .we both kiss each other and I masturbate her by putting my  finger in to her vagina she also does same but we never had intercourse .So far I remember her vaginal fluid never touched my penis and neither mine , Lets assume she is HIV positive and her Vaginal fluid touches to my penis by her finger or palm while she masturbate me , Can it spread HIV ? we love each other a lot ,she is very caring and says that she does not have HIV positive , she wants to have sex with me but I am still afraid that she may have HIV positive  which perhaps she does not know , please tell me how would I know that she is not positive ,she has requested me for sex and  I do not want to heart her , I have heard that condom is not fully safe , please tell me what should I do

Can HIV transfer if she put her finger in her Vagina and use same uncleaned  finger /palm  to masturbate me ?
Can HIV transfer if I put my finger in her vagina and then rub my penis  and masturbate my self   ?
Can HIV transfer if I Rub my penis over her vagina but do not penetrate ?

I am young and want to have sex but I ALWAYS FOUND MY SELF AFRAID   I do not know how to go about it
all of my friends enjoys girls but they are not at all worried about HIV and STD I am the only one who is scared
please help me

[Teak]

Masturbation is not a risk of transmitting HIV.

[LIZZIE LOU]

NO
NO
and NO

[arivind]

Thank you very much for the quick reply I really appreciate it

please tell me how would I know that she has it or not ?
Let assume  she has it  , then can I do

1- protected sex ( with condom)
2- ******** (without condom )
3- Vaginal and  anal sex with condom
4- kissing and sucking  in her vagina, boobs and lips
5- I Finger her and then masturbate myself  
6- she finger herself and then masturbate me
7- we both masturbate each other at same time and then masturbate individually  

[Teak]

None of the things you mentioned above put you at risk even if she was positive.

[arivind]

if i put my penis without condome in her mouth and she suck it deeply and i ejuculate in her mouth still i am at no risk if she has hiv positive

[Teak]

No risk.

[arivind]

can you please tell me what exactly i should not do in order to protect from HIV?             if my finger has a small cut and i masturbate her by the same finger  does it spread HIV

[LIZZIE LOU]

dont have unprotected vaginal/anal intercourse or share iv drug works with an infected person.

[baddy]

hey arivind ,

whatever the counsellors are saying to you i s quite right . u need not need to worry much . but still sfety is yours . you have to decide what practices u have to do with ur gf or not . if so much worried tell her to get asingle hiv test . i hope that will help u to get relaxed .