Pretty sure you meant vaginal fluid. If you meant virginal fluid as in intercourse with penetration and rupturing of the hymen blood would most likely be present and in that case you would have to have an open sore on your penis for her blood to enter your bloodstream.
No, to both of your questions. Hcv is not like Hiv in that it is ONLY found in blood. It does tend to live longer out of the body, so Marcia's suggestions about razors, nail clippers, etc. are good ones to start practicing.
The virus is present in the blood. So the only way to catch it is when infected blood enters into your blood stream. Sharing towels is no problem at all. But one should avoid using nail clippers, toothbrushes, razors, as there is a tiny risk of blood being left behind and one cutting oneself.