I have yet to see ads also, but I do turn off all the unnecessary stuff at installation time. There is this option on Lock Screen settings called Get fun facts,

I have yet to see ads also, but I do turn off all the unnecessary stuff at installation time. There is this option on Lock Screen settings called Get fun facts, tips, tricks and more on your lock screen and Show more tiles on the Start settings that can bring stuff out and probably some other more spread around, of course they won't make it nicely like Opt out of all ads across Windows just because.