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In all honesty this probably isn't going to end the way you want it to. I have been in a similar situation with a girl who has a boyfriend and their families are close, been together for years and it ended in a lot of heartache for me. She probably wants the excitement of having fun with you, but without leaving her long term boyfriend whom she probably does love.
If you genuinely love her, lay it on the line and be prepared to cut her off if she doesn't want to commit to you. That's all I can suggest and what I would try and do. Keeping it going when you have strong feelings for her is just going to make it worse for yourself.
If you didn't love this girl, then it would be easy to just continue with the fun you're having right now.
Totally agree.