First of all, she is interested in you, congratulations!
Secondly, if she allows you to call her "girl" instead of "girl", it means that she hopes that your relationship will be closer. Although she rejected you, it doesn't mean that you don't have a chance. It can only mean that she wants to know more about you.
She said that fear, worry, or her parents’ disapproval are all excuses. She hopes that you can give her more sense of security. If you can do this, things will fall into place.
Also, I would like to remind you that you should be cautious when it comes to online dating and not to be deceived.
Good luck to you!