If you have a Google+ account you should have received an email from Google with the innocuous subject line “An Update for Google+ Page Owners and Managers”. Don’t ignore it because it contains important information about changes to Google’s terms and conditions that take effect on November 11th, 2013. From that date Google may start using your profile name and photo to endorse ads. Several people have already posted extensively about this so I will not go into much detail here. Tony Hirst has already written an excellent article on this at http://blog.ouseful.info/2013/10/12/googles-new-terms-mean-you-could-soon-been-acting-as-a-product-endorser/, which also addresses other privacy issues and account settings that you may wish to review and change.
If you do not want your photo and name used in advertisements you have to opt out because Google seems to have automatically added everyone to the scheme. Sign in to your Google+ account and go to the settings page. You should see a new option for “Shared endorsements” that is switched on. Click on the Edit link to change it to “Off”. Of course, Google tries to discourage you from doing this by saying that “your friends will be less likely to benefit from your recommendations”.
Click continue to carry on and switch endorsements off.