Well, I’m a virgin and she isn’t and I really like her.  I was just wanted to know when would be the right time that we could have sex?  Plus, I call her my girlfriend and other people say that she is not my girlfriend because, that we haven’t had sex yet.  So is she or is she not my girlfriend?

I think she is not your girlfriend, but my reasoning has nothing to do with whether or not you’ve had sex. There are plenty of people who have had sex who have a limited relationship, or maybe none whatsoever, and there are people who have been dating for years and haven’t had sex. But three dates in three months doesn’t sound like you are boyfriend and girlfriend. If you’d been seeing each other every weekend for three months, then you would definitely be boyfriend and girlfriend, but I think the relationship has to develop a bit more, unless you are very young and so can’t really go on many dates.

And your age brings me to the answer to your next question. Your actual age is not as important as your overall level of maturity. Sex is not a toy. It brings with it many risks and responsibilities. There are sixteen year olds who are ready for sex, though not most, and there are 26 year olds who aren’t, also not most. My guess, based only on what I know from your question, is that you are far from ready to have sex with this young lady. But the two of you can still have a very good time together, and as time passes, you’ll mature more, and at some point you will be ready to have sex.