We were discussing haircuts in the morning and I showed her some photos online. 15 minutes later she opened Facebook and saw hairdresser commercial with THOSE EXACT haircuts we were discussing.
I was using iOS with no-track and adblocker on top of that. My guess is that link was made using IP address. Meta/Facebook was processing MY data to which I didn't agreed at any point. Most likely some website (which didn't ask for my permission, as I'm very anal about making sure I disagree to everything) shared this data with Facebook, Facebook linked the dots and voila.
That's my problem.
P.S. We did similar experiment 2 times, once with jewellery and once with specific types of shoes. One using Firefox Focus using home WiFi, second using 5G network. I disagreed to all cookie processing at any point.
WiFi connection was linked, 5G wasn't.