Thing is, that's pressuring, what she's doing. Maybe she doesn't mean to do it, but she's doing it. It also sounds like she is just still learning how to do boundaries -- like she knows how she's supposed to respect them, but isn't quite at being able to do that, you know?
Look: it can for sure be hard when you really want to be sexual with someone and really want to be touched to be good about that stuff. But when we're actually
ready to be intimate in those ways with other people? We need to be able to be good about consent, limits and boundaries, including always remembering they really matter and we need to always respect them. That's what I meant when I said it sounded like she could use some more time anyway, to learn more of those skills, and to get better at this BEFORE getting more intimate in new ways.
Even if no one heard you and you didn't get in trouble, you're saying no (or, from the sounds of things "not yet"). She just needs to respect that, and she needs to understand that saying anything that isn't just basically, "Okay, I hear you, what should we do now/today instead?" is pressuring or an outright violation.
It really sounds to me like she's just not ready for this kind of intimacy. And that's okay! She's young (you both are), and you both have the ability to only do any of this at a pace that actually matches where both of you are at. I'd personally suggest y'all take more time even if the law were different: time for you to perhaps gain more confidence in having and setting limits, for instance, and for her to get better about doing consenting right.
How do you feel about the start of that conversation with her, where you set clear limits, I suggested higher up there? Maybe at least give it a try?
I'm also happy to pass on some links for you, her or both of you about consent, limits and boundaries and how to do right by each other with all this if you want.
