If you inserted your penis INTO her vagina, that is a risk. Only you know if that is the case and we certainly can't speculate. However, I would think you would 'know'. Fingering is no risk with or without blood/cuts, etc. Rubbing and touching will not lead to HIV either. The only ways HIV are spread is through unprotected vaginal or anal sex or sharing of IV drug needles. Air and saliva inactivate the virus and therefore, transmission takes place inside the body. Symptoms are not used to diagnose HIV. Your rash is probably completely unrelated. Talk to a doctor about that.