Disclosed is a new composition of matter that is a compound which also is presented as a dispersion with broad UVA and UVB spectral absorption stability, heat absorption, and insulation properties, anti-microbial water resistance, and high SPF properties. The composition of matter is a zinc oxide complex that is provided with distilled water buffered to a pH of greater than 10 using ammonium hydroxide, L-arginine, or other buffering agents, and zinc oxide particles. The zinc oxide complex may be dried and rinsed to increase stability. An emollient, such as glycerine, and/or an emulsifier such as a combination of cetearyl alcohol and cetearyl glucoside and/or sodium stearoyl glutamate and/or cetearyl glucoside may also be added to the zinc oxide complex. The zinc oxide complex is made from natural-based, earth-derived, Ecocert® certified ingredients is non-toxic, and may be used or combined with any compound in which UVA/UVB stability is desired. The applications for the zinc oxide complex are numerous and include roofing materials, composite building materials, automobile and aircraft parts, textiles, wire and cable insulation, use in conductor and semi-conductor technologies, as well as for sunscreens and cosmetics.