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First of all, don't worry. WORRY never solves anything. As others have said here, it is highly recommended that any adult female get "regular" gyn exams regardless of whether she is sexually active or not. Just part of routine health care. "Regular" will depend on age, activity, family history, etc. For example, there is no history of breast cancer in my family so I get a mammogram only once a year based on age. Women with a family history have the exam more often.
I'm not sure about the privacy from parents issue. This may depend on the laws where you live. Most big cities have Women's Clinics that if not free, only have nominal fees.
On a related note, I once read that a lot of men have untreatable testicular cancer because they don't have genito-urinary exams as frequently as women do.
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