If I see ads posted in the wall on a subway in Manhattan, that they are talking about restaurants nearby and not in San Francisco does not cross the threshold of 'personalized advertisement'.

If a digital panel switched to show me restaurants in San Francisco because they detected that I travel there a lot, that is absolutely personalized.

Similarly, if a maps service shows me restaurants near my destination that have paid for placement, thats not personalized. If they show me fast food restaurants on my route because I got directions to one previously, that is personalized.

It is a moot point because Apple isn't anti-advertising _nor_ anti-personalization. They are pro-privacy. Like Google, they will just move ad determination onto the device.