I got a new iPhone and gave my old phone during the trade in, but I was unable to backup my old one completely. A similar question has been asked which doesn't apply in my case, as I don't have the backup file on my computer.
My iCloud account shows 3.3 GB of backup, but not way to access it.
Under my iPhone's Settings app → iCloud → Manage Storage → Backups, I am able to see Last Backup → Incomplete and only Delete Backup as the option with no way to recover.
What existing data tools are there to recover the data? Does iCloud allow downloading the backup file directly?
I have both Windows and Mac computers so I can try to restore from either Operating System.