No penetration. he ejaculated in a towel. he pre cumm on his hand and rub my vegina (outside parts only). didn't finger me. am i pregnant ?

Not likely: the semen needs to get into the posterior vagina so that it can enter the cevix and migrate up into the uterus to get to the egg coming down the fallopian tube. It sounds like your situation is very unlikely to cause a pregnancy.

Probably not. : If your experience is as you stated you are probably not pregnant. That being said, if you are sexually active and do not wish to become pregnant, please use some sort of birth control. Either condoms or systemic birth control for yourself. Good luck!