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In page Solar water heating:

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Indirect or closed loop systems use a heat exchanger to transfer heat from the "heat-transfer fluid" (HTF) fluid to the potable water. The most common HTF is an antifreeze/water mix that typically uses non-toxic propylene glycol. After heating in the panels, the HTF travels to the heat exchanger, where its heat is transferred to the potable water. Indirect systems offer freeze protection and typically overheat protection.[citation needed]