I have to say BSD, that I personally believe it takes 2 people to fall in love. One person CAN NOT fall in love without the other in full agreement. It's impossible. I think that would be called infatuation, not love. One person may (think they) know the other is "the One" but that's not the same as being in love and you should still keep your options open until a mutual love is declared. I may or may not have several booty calls on the back burner, but if I did the one I'd like the most is one who poses the biggest challenge. I do know that I will NEVER fall for the one that IS in love with me, thats too easy and mega boring.
I think there comes a time that we are on the verge of falling in love, but it is imperative to hold off (don't even think about it) until the other person is also on the verge, then you can fall in love together at the same time! I don't believe that people fall in love at different times, one may realize it before the other, but to speak too soon often ruins it no matter what. If you told her you love her and she didn't reply, the answer is no. Women would definately tell the truth there, men not so much. Saying that "it isn't the right time" kinda means "I have no idea at this point" or "you aren't completely disqualified" but does NOT mean "yes, just not now".
Life is like a game of poker, in that you can't beneficially show your hand too early. If you feel yourself falling, DO NOT admit it unless you know for a fact that she feels the same way, through hints or outright saying it. Start by saying something like "you are so awesome i could fall in love with you" and if you get a weird look, it's too early.
When I was young and naive I didn't want to cause hurt feelings so I would say something ambiguous like the excuses above, at least in my 20's. Now that I am in my thirties I am a lot more forthright and will just tell him he's not my type way early as in "you're so funny and nice, I wish you were my type". It is more honest and gets results, but took a decade to learn.