The Home and Student version does say "Non Commercial Use" on the Title bar.
As far as I know there is nothing you can do about this gentle reminder and
I have to say I doubt I would notice it myself.

As for the Ribbon, it's most likely got hidden - Ctrl+F1 should make it
visible. The only other possibility I can t hink of is  that you are in full
screen view in which case pressing ESC should take you out of it.