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.