It’s really a simple answer so here it goes:
- If you have a website with WordPress.com your URL will be example.wordpress.com.
- You will not be able to upload any themes or plugins.
- If you have a WordPress.org site you would have had to set up your hosting.
- Your URL will be whatever you picked (mine is luis.coffee) and you are able to upload any theme or plugin you want.
If you are using a WordPress.com site I suggest moving away and switching to a full-blown WordPress site. You will have more options and full customization.
If this is something you are interested in and not sure what to do next send me a message or send me a DM on Twitter.