I'm getting ads for loans and credit. I can only guess from me accessing my banking online. This isn't on – what else is google farming from me to inform and select the ads???
What does it matter? They're only adverts, just don't click on them. It is on, it's entirely on. You're on the internet, it's a public space. If you sit "talking" all day about what you want to do and how you want to spend cash with a friend (google) he might make a few suggestions.
Seriously though people, google provide a service, one that's not cheap to run. In return for that service they look at what you're doing and with their service adn try to sell you stuff related to it. You don't honestly expect a very efficient, very fast search service for free do you? And you are aware that many of the adverts actually track page content, not your search history, so on a site about bikes and buying bits they might put an advert for a loan….
Come on, you don't moan about them putting adverts for sweets in the trailers before a film do you? They're reading my mind man, pass me a tinfoil hat….