[supernovae]

Apple does have "Ads". They're always asking you to upgrade to icloud on every device - my MacBook and my IPhone.That's about as annoying as "buy office 365 now"

MSFT does spell out what they share with advertisers the very same way Apple and Google do.

https://www.google.com/policies/privacy/

https://www.apple.com/privacy/manage-your-privacy/

https://privacy.microsoft.com/en-us/privacystatement/