I don't get your reasoning here. It does explicitly say "or" before option (d) the ruck situation. This is why it's ambiguous. Your logic would make sense if the order was reversed and the ruck option were say option (a) or (b). Then it would be impossible not to read it as "or" all the way through the list.As it stands the criteria for a free kick to be paid for a rushed behind are that the defending player in question:
(a) is greater than nine metres from the Goal Line or Behind Line;
(b) is not under immediate physical pressure;
(c) has had time and space to dispose of the football; or
(d) from a Ruck contest, hits the football over the Goal Line
or Behind Line on the full.
So this has to be interpereted as OR !
The reason being if it was AND, it could never get paid - Since D is from a ruck contest, and A,B,C are not from a ruck contest. So it can't both be a ruck contest AND not a ruck contest at the same time. Has to be interpreted as OR.