uglyduckling81 :
Definitely no ads on my lockscreen or start menu. I haven't disabled anything as far as I know. I did select to turn off everything like smart screen when I installed Win10. Perhaps one of those was asking if I wanted ads, I didn't read it just turned it all off.
Perhaps you have an illegal copy of Win10 and that's why you get ads?
If you'd read my sources, you'd notice that this isn't a complaint from just me (which makes sense since I don't even use Windows 10). These are news sites that are reporting a well-known phenomenon, not just anecdotal evidence. It's nice that they can be turned off, as these same sources suggest, but that hardly justifies their existence in the first place.