Both. Maybe, more their stuff. Comes installed with nagware for Office and Skype. Advertises their and third party cloud storage. Advertisements on screensa

Both. Maybe, more their stuff. Comes installed with nagware for Office and Skype. Advertises their and third party cloud storage. Advertisements on screensaver. All can be disabled/removed. The ad I saw on screensaver was for a video game. Maybe Microsoft was the publisher or something but they definitely weren’t the creator.