You’re allowed to touch her past 3. There is no D’rabannan of N’giyah by a P’nuyah (unlike Yichud; Yichud with her must stop at 3 according to almost everyone). Therefore, you can touch her until she is a Niddah. Since some girls can reach puberty as young as 9, it’s probably best to stop touching at 8. (Yes, there is no Derech Chibah for a 9- or 10-year-old girl even if she is a Niddah; still, we usually avoid non-Chibah contact whenever possible even though it may technically be Muttar.)
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