rebecca g. wrote:
So, iCloud does not back up my iPhone completely including contacts?
Anything that is synchronizing from iCloud (or other cloud service) is not part of your backup. Your backup only contains what is stored locally on your phone, plus your settings, passwords, your iPhone screen layout and which apps to re-load from the backup, and email account information.
Contacts (iCloud or otherwise) are associated with an email account, and thus live in the cloud and only sync to your iPhone. The same would apply to photos, text messages, etc. if you've enabled those to sync with iCloud.