What i initially thought as a non risky exposure, is ending up giving me nightmares. I've started worrying more about it now than before. I'd posted in the Std forum thinking that my incident is not a risk for Hiv. But now i think otherwise. Here's what happened. I went to a massage place 3 weeks back. The massage lady was on top of me, fully clothed grinding / rubbing her vagina over my penis. I was sleeping naked on my back, and there was a towel in between us. She was wearing underwear and a cotton pant. After a few minutes, I saw that she reached orgasm. I went on to check if the towel was wet with her fluids and found it to be little bit moist. The thought that vaginal fluid crossed the three layers of clothing and touched my penis is freaking me out. Since the fluid did touch my penis and urethra opening, does this mean I'm at risk for HIV? Request forum members to assess my risk. Should i test for hiv in 4-6 weeks time?