Modular, fluid thermal transfer device

A modular thermal panel comprising:

• a thermal mass unit having a top and bottom surface and a plurality of outer edges with a central region disposed centrally between the outer edges;
• a heat exchanger having connected top and bottom panels with channels formed there between for receiving a heat exchange fluid, the top panel of the heat exchanger being coupled to the bottom surface of the thermal mass unit, the heat exchanger having a channel inlet and a channel outlet which are positioned near the central region of the thermal mass, such that the channel inlet and the channel outlet are offset from the edges of the thermal mass;
• an insulation layer having a top surface and a bottom surface, the top surface of the insulation layer being coupled to the bottom surface of the heat exchanger, and such that the heat exchanger is effectively sandwiched between the thermal mass unit and the insulation layer, with groves formed into the bottom surface of the insulation layer;
• inlet and outlet tubes coupled to the channel inlet and the channel outlet of the heat exchanger, respectively, for feeding heat exchange fluid to and from the heat exchanger, the inlet and outlet tubes being positioned within the groves formed into the bottom surface of the insulation layer;
• wherein the edges of the heat exchanger are substantially aligned with the edges of the thermal mass;
• wherein the heat exchanger is made of thermally transmissive material including polymers, stainless steel, aluminium, or copper;
• and
• wherein the thermal mass unit is made of a material which includes modular or formed in place concrete, cement, gypsum concrete, or stone.