If you didn't take that offer up, or perhaps weren't able to due to a work security lockdown then you now have to pay for the upgrade. There was a period at the beginning of Windows 10's life - note, there's no Windows 9 to worry about here, it never existed - when it was offered as a free upgrade (until 16 July 2016, so quite a while back!).
Otherwise it's business as usual - as outdated as said business is. You just won't receive any more security updates. Here's what the plug-pull of the older operating system means. So if you're still running the decade-old operating system you won't be getting any more updates, bug fixes and so forth. (Pocket-lint) - The end of an era: Microsoft ceased to support Windows 7 on 14 January 2020.
