If you ejaculate on her belly, the only way she can get pregnant, is if the semen dribbles down into her vagina. This of course is very possible.
Also, the penis releases pre-cum which is a natural lubrication ejected by the penis during intercourse. This does contain sperm cells. So if you had sex without a condom on, then she could still get pregnant, even if you did not ejaculate inside of her.
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