The only ad I get and can't get rid of is this, EVERY SINGLE TIME I open Cortana:
I don't own a smart phone, and hopefully, never will.
I have, everything to do with ads, turned off, and do not get any others.
Cortana tips are off too.
I know what I'm doing(usually anyhow)
I have even started a thread about it in Feedback Hub: Error - Windows Insider Program