when two people are close together, kissing and holding each other, they begin to touch each other. The girl/guy jacks off the guy and in return the guy/girl fingers the girl until both cum. They both then continue to hold and kiss each other.
Cuddle Fucking is for example when John and Carmen are sitting on the couch, they are kissing each other and holing each other. John reaches into Carmen's pants and fingers her. Then Carmen reaches into John's pants and jerks him off. They both then go back to holding and kissing each other.