The difference is where the variation sits. Sectoral heterochromia occurs within a single iris — a wedge or patch of one eye is a different colour from the rest of that same eye. Complete heterochromia is a difference between the two eyes: each iris is a fairly consistent colour, but the two colours differ from one another.
Both terms are reasonably well defined in principle. The subjectivity is in the threshold — how large or distinct a sector must be, and how different two irises must be, before either label is applied.
Photographs are unreliable for both, and for different reasons: a sector can be hidden by angle or reflection, and the two eyes in any photograph are rarely lit identically.
No photograph or online colour-picker tool can definitively classify which of these categories a specific pair of eyes belongs to — classification is inherently somewhat subjective, and lighting/camera effects change the apparent result.